Judgments seriously hurt your credit score. What's the best way to remove them? By identifying & removing errors on your credit. An easier way than DIY? Working with a credit repair expert like Credit Glory.
What is a judgment?
Judgments appear on your credit report as the result of a lawsuit. When you're taken to court over an unpaid debt & lose, the court's decision becomes a judgment against you. Civil judgments appear on your credit report, and there are four kinds of judgments that might show up:
- Unsatisfied judgment
- Satisfied judgment
- Vacated judgment
- Re-filed judgments
How judgments affect your credit
Having a judgment on your credit report is bad news for your credit score — and your finances. Judgments tank your score and stay on your credit report for 7 years. And that's not even the worst part! You can have your wages garnished — or face liens on your property. Not good!
What you can do to remove judgments from your credit report (& help your credit)
Dealing with a judgment is scary. Luckily, you have options for removing them and protecting your credit. So what can you do?
- Appeal for a vacated judgment - Appealing for a vacated judgment is one option for removing a judgment. If the debt collector failed to follow the law or proper legal procedures, the case could be dismissed. However, the appeals process often takes several months.
- Request validation (& dispute errors yourself) - You have the right to dispute inaccuracies on your credit report. If you request validation for the judgment & found errors, your next step is to dispute them. Yet DIY credit repair can be a headache (& time-consuming).
- Work with a credit repair professional - Looking for errors & disputing a judgment yourself is stressful. Improving your credit with professional help is less of a hassle than DIY. Credit repair experts (like Credit Glory) know what to look for, making the dispute process easier (& faster).
DIY or professional credit repair: What's easier for you?
While you can check your credit, look for errors, and dispute them yourself, it takes time (& hard work). Looking for an easier alternative (that's less hassle)? Consider working with a credit repair expert — like Credit Glory. They do the work for you, so you don't have to.
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 is 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!