Do you have a judgement on your credit reports?
If so, you already know that a judgement is an absolute terror and wreaks havoc on your credit history and score. No banker with half a brain these days will approve you with a judgement on your credit report. It literally SCREAMS: “DEADBEAT!” and is a major red alert for lenders.
Here’s more bad news: A judgement may remain on your credit for 10-12 years! This information is even worse than normal derogatory information because of its staying power. That is, unless you do something to remove it. The good news is that you can legally dispute any questionable judgment…and you should!
Here are just a few legitimate reasons to dispute a judgement: (a) balance is wrong (2) item is out of date (3) item is not yours (4) item has been paid (5) you were only an authorized user on the original account (6) statute of limitations has expired (7) status is incorrect (8) lawsuit is still pending.
If you enjoy spending your next 10-12 years in credit score prison because of a judgment, that’s ok. If you’d prefer to remove the bad credit information and get back on track, here are three simple sure-fire methods to dispute any judgment:
Three Sure-Fire Simple Steps to Remove a Judgement
December 16th, 2009
Jill - a subscriber - wrote in today with this question:
Question can you get a judgement off my credit report in 30 - 40 days? How long does it take to remove a judgement usually?
This is all I need to be removed at this point. i am buying a home in Dec or jan and this is holding me up.
Here is my answer:
To answer your question on how long it would take to remove a judgment, I can’t legally say it would take X number of days or Y number of days. Everybody’s case is unique I cannot legally promise you a deadline on how long it will take.
NOBODY can guarantee results when it comes to credit repair.
However, that being said, Lexington law has a no risk refund policy in place which would fit you perfectly since that is the only item needing attention.
With that being said, many people enjoy seeing results immediately after the first round of credit bureau disputes.
In any event, the good news is that you are being proactive and taking care of this before it presents a real problem and puts you in a jam down the road when you will need credit for your new home.
Most people are content to just sit and hope things disappear on their own - so congrats on being proactive!
As you know I work with Lexington Law who has not only helped me, my older brother (who had questionable collections on his reports) and my closest friends, but also many Americans with situations similar to yours.
If you like, I can arrange for a paralegal to get in touch with you. I know you have a lot of questions and it is probably quicker for them to answer them over the phone. If that sounds good, then please send me your contact number, city, state, zip and I’ll set it up. Or, we have a paralegal available now at this number: 1-866-246-7311.
(there is no pressure or obligation)
By the way, Lexington deleted 22,983 judgments last quarter for their clients.
Here is their direct line again: 1-866-246-7311.
Best,
Ben
November 18th, 2009
