If a satisfied judgment is showing on your credit report, your best option is to dispute the info. You can file a dispute on your own, but it's a ton of work. An easier way is with help from credit repair experts at Credit Glory.
How a judgment affects your credit score
A judgment can drastically decrease your credit score. The worst part? A reduced score increases the likelihood that you're stuck with high-interest rates (costing a ton)! Even if you satisfy a judgment, it may stay on your credit report unless you do something about it.
Your best choice when a judgment has been satisfied but it's still on your report
As you know, a judgment on your credit report decreases your score. What you may not know is they must meet strict reporting criteria — set by the Fair Credit Reporting Act (FCRA) — to appear on your credit report. Why is this good news? It's likely you can remove a judgment from your report.
How do you do it? If the judgment is showing on your report (but it's already been satisfied), it's your right to dispute it. You have 2 options when disputing — DIY (which can be confusing & time-consuming) or simplify the process with an experienced credit repair company (like Credit Glory).
How to dispute (& remove) a satisfied judgment yourself
Disputing inaccurate judgments on your credit report on your own is possible — but it's a tedious process. Here are the steps to file a dispute:
Step 1: Write a dispute letter
There are several options for drafting a dispute letter. You can start from scratch — or find a template online. The tricky part is finding a legit template — especially when Google gives over 74 million search results! On the other hand, a partner (like Credit Glory) can simplify the process with proven results.
Step 2: Collect supporting docs
If you find a legit sample letter, you need to clearly state your name, address, and what you are disputing. Then collect all relevant documents to support your claim. A key here is ensuring you send copies — not originals.
Step 3: Wait for a decision
If you manage to write a letter, compile the documents, and find out where to send your letter — the last step is waiting for results. Assuming you did everything perfectly, the dispute results are sent to you in writing. The result? After a long wait — sometimes months — the record may be removed.
Credit Glory makes your judgment dispute easier (& protects against future issues)
Handling the dispute process on your own is tedious and time-consuming. An easier way? Let Credit Glory — a dispute expert — handle the whole process (saving you time & money).
Choosing Credit Glory for help with your dispute provides:
- A proven disputing process, backed by a risk-free guarantee.
- Best-in-class support, so you always know what's going on with your dispute.
- Long-term protection against future errors with comprehensive credit monitoring (provided by IdentityIQ)
Boost your score with Credit Glory
Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals are here to simplify everything! Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)
Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2021 and beyond.
Call us at (855) 938-3044 or set up a consultation to get started, today!
