There are two ways to reverse a creditors judgment — file an appeal in court or request the court vacate the judgment. What other options do you have? If the judgment info is reported inaccurately, Credit Glory can help you dispute (& remove) the negative item on your credit report.
The trouble with reversing creditors judgments on your report
Reversing a court issued decision is no easy task. Typically, you have 2 choices if you want to remove a judgment:
- File an appeal with the court
- Request the court vacate the judgment
Filing an appeal is costly (& time-consuming), while requests to vacate are granted at the judge's discretion. What alternatives do you have? Double-check it's reported accurately, & if it isn't, dispute the judgment — a process an expert (like Credit Glory) can help with.
Your best alternative when you can't reverse a judgment?
As you know a creditors 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? Removing it from your report is typically easier than reversal.
How can you remove a creditor's judgment? If the judgment is inaccurate, the best choice is a dispute. You have two options for 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 creditors 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!