How to Remove a Judgement Lien

A judgment lien is a lien placed on your credit report by a court order. Judgment liens are put in place when a creditor takes you to court for unpaid bills and he is awarded the judgment. Judgment liens have a bad effect on your credit score and if it makes your score low enough, you may be unable to get credit cards, loans, or even a job.

Instructions

1

Use Annual Credit Report to get a free copy of your credit reports from Transunion, Experian, and Equifax. Compare the reported judgment lien to the judgment lien filed in court. File for a Motion to Vacate if the judgment lien was filed incorrectly and the court documentation supports this position. If the court vacates the judgment, it is removed from the credit report.

2

Pay off the judgment lien and obtain the judgment release if you cannot vacate the judgment. This paid judgment remains on your credit report, but all real property liens are removed.

3

Dispute the judgment lien through the credit reporting agencies if you cannot pay off the judgment or vacate it in court. The judgment lien is removed from your credit report if the court does not verify the validity of the judgment lien within 30 days. This does not dismiss your financial responsibility for the debt, however.