To make matters worse, you just found out that your credit score has taken a nose-dive because of the judgment. Many people do not know that a court-ordered judgment can be reported on your credit history for 10-12 years. If the debt remains unpaid at the end of this time period, often the judgment can be renewed. In fact, even a judgment which has been paid can stay on your credit report for seven years after it is paid!

Now it’s time to think about removing that pesky judgment from your credit report. To begin, it is important to understand that it is illegal to remove an accurate item from a credit report. Knowing this, there are two ways to remove a FALSE entry. You can remove a credit report entry by proving that the entry is false. You can also remove a credit report entry by disputing the entry and, if the entry is not verified by your creditor within 30 days, the entry must be removed by the credit reporting agency. The Fair Credit Reporting Act (FCRA) allows consumers the right to dispute negative items, including judgments and public records.

If you decide that you would like to dispute a judgment entry on your credit report, it will be necessary to send a dispute letter to the credit reporting agencies that are reporting the judgment. Experian, Equifax, and TransUnion are the three major credit reporting agencies. With entries such as credit cards or car loans, the dispute would be forwarded to credit card companies, banks, credit unions, loan companies, car dealerships, etc.

However, public records and judgments are maintained by governmental agencies. So, a judgment dispute will usually be forwarded to the county courthouse of your resident county. It typically takes longer to verify this kind of dispute because these are verified by humans, not automated software programs. Because it takes longer to verify, judgments and public records are often not verified within the mandated 30-day time frame. If this happens, the judgment or public record entry must be removed by the credit reporting agency.

It is possible for you to move forward with credit repair on your own. However, if you do not have the time or if you just don’t enjoy wrangling with credit reporting agencies, you might consider speaking to a consumer rights attorney. The typical consumer rights attorney has tackled hundreds, and maybe even thousands, of similar cases.

Removing a judgement is possible. Discover the only legal way to remove any questionable credit report judgement at www.creditreportjudgement.com.

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