Judgment remove from Credit Report(s)

Submitted by JT on Mon, 10/20/2008 - 16:50
Forums

I had a judgment given to me since 2005, for $1,400 dls.

The collectors advise me if I paid everything on full, they will remove the judgment from the court.

Till, this day I still show the Judgment on my Credit Reports.

Can someone Help me or provide any advise.

Hi JT
Public records like bankruptcies, judgment and tax liens can never be removed from your credit report and will stay there for seven years or till the time the SOL in your states has expired. Now if you pay back the debt in full, the credit report will reflect as "paid judgment". Now, if the CA or the creditor has illegally sued you and brought judgment against you, then only the judgment can be vacated, i.e, you can file a motion to dismiss a judgment and if the judgment is dismissed, you can produce the evidence to the bureaus to get it removed from your credit report.

Tue, 10/21/2008 - 11:51 Permalink

When it comes to judgments it can be removed from your credit report, as long as you get it written that they will remove it. For our clients, we prepare a specific contract that they must sign that entails the removal of the negative account.

Tax Liens will report as paid and released. It's a lot better than not paid at all.

Collections we handle the same way. Paid by negotiation and removed from report.

There are ways around everything with persistence and contacting the right person, but before you agree and pay anything, you must always make sure that the written agreement you made fully satisfies what you want. Because after your sign it, you have no leverage to change it in the future.

I disagree with the "never". A lot of judgments can't be verified and get removed just by disputing the validity. Others can be removed through negotiation.

Tue, 10/21/2008 - 19:05 Permalink

Sounds alittle like an advertisment to me. Thanks for the comment, AMG, but..............just seems like you're trying to put your comoany 'out there.' What IS the difference between your company and others who have advertised on this forum?

Fri, 10/24/2008 - 13:24 Permalink

From our experience with researching other Credit Repair companies, they only do a small percentage of what we provide for our clients.

Most companies as you know charge you a set-up fee and a monthly charge to prepare dispute letters on items on your report. These companies keep reinvestigating those accounts every 60 Days until things hopefully fall off. That's just about all they do. Write letters.

At AMG, we waive no magic wand, we don't garuntee the world.

We evaluate all of the problems you have on your credit report, and we take them on one by one.

Most of the time you owe a percentage of the money they want.

We handle all of the paper work and stress involved with negotiating the debt down to an amount you can afford. We set it up in a plan that has you pay the debt off and also get it removed from your Credit Report.

In other words, after working with us in 5 months:

1) Credit Report is only posting accurate information
2) Personal detailed itemized budget.
3) No more harassing phone calls, they all go to us.
4) Collections, Charge Offs, Judgments Paid & Removed from CRA.

We also handle Tax Liens, Loan Modifications, Mortgage Modifications.

We also handle ChexSystems, we help our clients get new bank accounts.

We are a small company that actually cares about our clients.

If it sounds too good to be true, then feel free to call.

"www.amgconsultinggroup.com"

Fri, 10/24/2008 - 16:52 Permalink

Have you got it in writing from the collectors...If yes then they have to remove it and if not you can use the document as a proof.....An alternative ti this is to dispute the item with CRA...To make the disputing process fast and effective hire a repair firm. I knoew one firm "http://www.creditboostdirect.com/" which provide CreditBuilder system, which is the only program that builds your credit while repairing credit.

Sat, 10/25/2008 - 05:12 Permalink
fikile (not verified)

hallo, ive got admin order frm 2007 nd now i was retrenched at work so i wnt to kno wat gona happen to all my creditors

Wed, 09/30/2009 - 16:39 Permalink
odessey50 (not verified)

I had a judgment filed in 2008 for a loan that was settled with the creditor and paid in full back in 2009. However, the creditor never informed their attorney to file a warrant of satisfaction at the court which left the judgment as "open " with the court. I had to write stern letters to the creditor and provide a copy of my settlement paid in full letter and basically threaten to obtain legal assistance in resolving the matter. Finally, they send me a letter stating that they are processing my request for a "satisfaction of judgment" to be sent to the court but it could take up to six weeks. Anyway, I wanted to know. Once the civil court receives it, what happens? Do they dismiss it? Is the dismissal the same thing as considering the judgment "paid" and "closed." If so, once that is complete and reflected in the court record, would I be able to ask the civil clerk to have the judgment deleted from my credit file? If so, does anyone have a sample letter. Please Help!

Sat, 06/30/2012 - 02:46 Permalink
aminrose2015 (not verified)

For more than 3 long years, I had constantly fought with the state to remove the tax liens on my credit report. I tried to hire different credit repair firms, I just couldn't get them removed, and it definitely affected my credit score. Luckily,I contacted this technology expert on a blog "Fixcardtech Gmail Com" and helped me removed the tax liens, and my credit score increased from 526 to 827 within few days of working with them. They also help with credit debts, student loans,late payments,etc.

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Thu, 07/18/2019 - 12:14 Permalink