How to Remove Default Judgments from Your Credit Report

This most likely happened to you at one time in your life: you apply for a credit card or pull your credit only to be told by the loan officer that you have a judgment on your credit report. Judgment? On your credit report? How in the world did this happen? And most likely you don’t even know from where this good score breaking judgment is.

Usually what happens is that a debt collector contacted you at some point with a request for payment. You have by law 30 days to have this debt validated. So maybe you figured you have time to send out the debt validation letter. And then you forgot. Completely. And the debt collector after while went to court and filed a lawsuit against you for not paying this debt. But you never got served. You don’t KNOW that there is a lawsuit in court against you. This happens more often than you would believe it.

Or you do remember that you got a summons to go to court because of an alleged debt. But again, you may have forgotten about the court date. This also happens a lot. Or you thought that you won’t have a chance to refute those claims in court.

Debt collectors file an enormous number of lawsuits in court. Every day across the nation. Sometimes one attorney will have at least ten cases to take care off in one day. And the sad fact is that out of those ten cases, most likely not one single one will show up in court. When nobody shows up, the lawyers will get automatically default judgments. Whether right or wrong, a judgment has been entered against you. And now it is on your credit report.

The courts are not in the business to supply this information to the credit reporting agencies. Then how do the big three get this information on you? There are third parties out there who go to court and collect this information. And then sell it to the big three credit reporting agencies. Nothing has been verified or validated. AND, of course, those third parties do NOT report when you file an appeal. Now how appealing is that??

In order to get the judgment removed you have to have it vacated or overturned. There are certain ways to do this and we gladly help you with that if you don’t want to do it yourself. There is no statute of limitations to get the judgment vacated. And keep in mind: paying off the judgment will not take it off your credit report!! For this you have to follow our tried and proven method of validation and verification. It may take some time, but anything important is worth pursuing. And the judgment will come off.