Hi,

I am in the midst of trying to clean up my credit report, get inaccurate things off and update current derrogatory info. I intend to disput everything I possibly can. However what concerns me most is a judgment on my report and its public record (placed in 2004). Is there anyway that I can get this deleted from the credit report? I took care of the judgment, settled it but was never served for it. I don't know whether that counts for anything - but whatever it takes, I'm willing to do. I've even considered going to a credit repair company. But if it just takes writing, I can do that myself. Can someone please advise? Thank you. - Shea:( :mad:

Did the creditor win a judgement against you? If so and you statisifed it, then that's what should be on your record. The fact that the judgement was awarded and its status will remain for 7 years.

Hi Scott,

Thank you for answering. Yes, the agency won the settlement, I guess since I had no knowledge of it. I tried contacting the courts but it didn't seem as though I was getting a response, so I figured the best way was just to settle it. The law firm hasn't updated anything on the credit report, but I wanted it removed since it viewed so very negatively.

So they obtained a default judgement against you because you weren't notified. When you found out, you offered a settlement that they agreed to and you paid the debt off. Is that correct. They you should insist that the judgement be listed as satisfied. What you CAN try is writing to the credit brueaus telling then you dispute that entry. They will then contact the creditor for verification. It might be the creditor doesn't bother responding and the credit bureau will remove it.

I just got done doing the same thing, and I will stress do not use a credit repair company. They are not worth the money they charge. You can do it yourself. When you open the dispute the credit bureau will contact the creditor and it will either be updated (listed as satisfied in the case of the judgment) or if the company doesn't bother to respond it will be deleted from your file forever. I disputed about a dozen things on my credit report and 4 negative items including a judgment ended up being deleted. The other items were updated. Hopefully you will get similar results. If you have paid off "potentially negative" items on your report that are still there after you put in disputes, try writing directly to the company to ask them to delete their account from your credit record. Most companies care mostly about getting their money, not ruining your credit. If you do send these letters, send them in a manner that requires them to sign for the letter so that you will be able to follow the trail of who has it in case it gets "lost" It is worth the investment. PLEASE DO NOT USE A CREDIT REPAIR COMPANY.

In regards to a Credit Repair Company, I have used the same one 2x in my life and got excellent results. The first time after spending less than $150 , I obtained a mortgage for a home. Maybe the're not all the same. But this one I found is tops. If anyone would like the address and phone number please email me @ [email protected]. Oh, by the way, I am not afiliated with this company in any way. I am in Buffalo, NY and they are located in Florida.