Removing Judgements From Credit Bureaus

Judgments are placed on a credit report when a court holds a person responsible for an unpaid debt. These judgments hurt your credit score. This, in turn, can lead to higher interest rates on approved loans, or even declined loans. Credit card rates and approvals can also suffer as a result of a lowered credit score caused by judgments on you credit report. It is therefore beneficial to remove these judgments as soon as possible.

Instructions

1

Pay the judgment as soon as possible. It will take seven years for it to come off your credit report, but this is the best option available to most people.

2

Dispute the judgment with the credit bureau. If the credit bureau's information about the judgment is incorrect, it will correct your credit report as soon as it receives accurate information. If the credit bureau is unable to verify the judgment within a 30-day period, the bureau will remove the judgment from your report.

3

Contact the company to whom the debt is owed. Ask if it would be willing to dismiss the judgment if you are able to pay an agreed-upon amount upfront. This is often a portion of the debt which the company is willing to accept as "ready money," rather than risk losing the entire amount if you are unable to pay the judgment.

4

Hire a lawyer. Often consumer advocate lawyers are willing to take cases for nominal fees and can help get a judgment thrown out.