Credit Card Judgments How To Remove From Your Credit
by John Cooper,
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on the net: http://www.707creditscore.com
UNITED STATES, Nov 03 — A credit card judgments means you have been found to be legally responsible for a debt. This will happen in a court of law.The creditor has sued you and won their case.Surprisingly you can hire a professional credit repair law firm for reasonable rates
Acredit card judgments means you have been found to be legally responsible for a debt. This will happen in a court of law.
The creditor has sued you and won their case. This gives the creditor legal grounds to have your wages garnished to pay back the debt.
This will cause you credit score to be negatively impacted, it is a very derogatory mark to have on your credit. These can be sought after for any sort of unsecured debt, it is common for collection agencies to seek civil lawsuits.
This mark will stay on your credit for 7 - 10 years dependent upon the state that court was held in, and the statute of limitations in that state. However it is common for creditors to renew these marks.
This can make it impossible to ever get out from under a judgment. However you can have a judgment removed from your credit, sometimes without having to pay the debt.
I suggest the first step you take is to dispute the mark. This is done by writing a dispute letter in which you explain why the mark is inaccurate and then you mail this letter to each credit bureau.
The bureaus will then conduct an investigation into the listing. They will try to verify that it is real and the amounts are accurate.
If the debt is inaccurate or is not verified then the bureaus must remove it from your credit. Frequently investigations result in a negative listing being removed.
However these marks are more often verified, this is because the lender has taken steps to ensure repayment. This usually means you will not be able to remove the mark.
However in some cases a this mark is not correct. Thus the mark should be removed and you should not be responsible.
This is the time when you should consider a credit attorney. They have an expert knowledge of credit laws and the ability to go to court if necessary to prove that the mark is wrong and should be removed from your credit.
Surprisingly you can hire a professional credit repair law firm for reasonable rates. A leader in the industry Lexington Law can be hired for less than $100/month (premier service).
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