Remove a Money Judgment From Your Credit Report and Watch Your Credit Score Take Off

In this article, you will learn the six proven ways to remove hard money judgments off of your credit reports.  These techniques are practiced by credit repair attorney's and credit consultants.

I just pulled my credit report and noticed a judgment.

First, write down the court information listed under the judgment in your credit report, then contact the court and ask them to send you a copy of the judgment. Once you have a copy of the judgment, try any of the following techniques to remove it from your report. 

• Try the basic dispute method to see whether the judgment will simply fall off.
• If you have no success with challenging negative items, you can settle them for 20-50 cents on the dollar and try for a deletion. If the creditor won't accept a complete deletion, request that your creditor list your account as “paid as agreed.” From there you can begin the basic dispute process. Make sure you get a judgment satisfaction letter to send to the court advising them that the debt was paid.
• You can make an agreement with the creditor's counsel to stand still for full payment of the debt. You can then file a motion (i.e. make a request) to have the judgment vacated based on a mistake such as a clerical error. Most likely, the attorney will not respond to your motion. As a result, the judgment will be vacated. Make sure you send the order to the credit bureaus for complete deletion.
• You can file a motion to have the judgment vacated (dismissed) based on a technicality, errors in the complaint, or the judgment has moved to another state, or the collection agency did not validate the debt. A technicality can be. You were not properly served or the statute of limitation has run out to collect the debt. You can find errors in the complaint like. The amount of the judgment was wrong. Your name is misspelled, or the date is incorrect.
• You can file a motion to have the judgment vacated based on discrepancies in the notice or any difficulties in obtaining it. For example, if you did not initially receive the notice, if the server left the notice on your doorstep or at an incorrect address, or if your spouse was served instead of you, you may be able to have the judgment vacated. Also, if the notice has the wrong district indicated, your name incorrectly listed, or if you are ill on the day of court, you may also be able to file a motion.

If the judgment follows you to another state, you can dispute the interest by arguing that the collection agency did not validate your debt according to the FDCPA. By doing this, it can result to the judgment being vacated. 

Mark Clayborne is a Certified Credit Consultant with ten years of experience assisting consumers with credit issues. If you liked this article, then please sign up to read the first chapter of Hidden Credit Repair Secrets and get a Free Restore your Credit E-class at http://www.hiddencreditrepairsecrets.com T

Remove That Late Payment and Watch Your Credit Score Take Off

Negative remarks such as late payments on your credit report can cost serious money. There is nothing to be upset because, it is never too late to become credit worthy again. However, be reminded that credit repair especially removing a late payment is a long process. It requires serious dedication and perseverance to get a clean credit report.

First find out the three credit bureaus are and what they are saying about you. Since creditors do not have to report to the three credit bureaus all together, they generally only report to one or some to which they are subscribed to. So, each report should be slightly different from one another. 

Order your credit report from each bureau to save money. The cost of the credit report is estimated to be around $9 but it might varies from state to state.  

You can request your employment company to provide you the name of the credit bureue if you have been denied of employment because of late payment in your credit report. You will be entitled for a free report if you get the letter from the employment company. 

Once you get a hold of your credit report, study it

carefully. Since the credit bureaus create your credit

report basing on the information they receive on your creditors, they are never verified. It is your job to

maintain your credit report a good reflection of you.With this information, you can check history with your creditors and  dispute the late payment record noted in the report. 

Get the argument form supplied with your credit report or a dispute letter and send the report to the bureau. If there is supporting documents, ensure it is included in your letter. 

After sending the documents and report, do not forget

to keep copies of all the forms and the date you sent

it. Normally, the bureau will investigate the dispute in the span of thirty days prior to receiving your

letter. Late payment that is proven to be inaccurate is removed from the credit report. 

Mark Clayborne is a Certified Credit Consultant with ten years of experience assisting consumers with credit issues. If you liked this article, then please sign up to read the first chapter of Hidden Credit Repair Secrets and get a Free Restore your Credit E-class at http://www.hiddencreditrepairsecrets.com

Four Power Ways to Stop A Wage Garnishment

Having a wage garnishment attached to your weekly or monthly income can be devastating to most consumers. But with a little education and know how, there are ways to avoid a wage garnishment. Wage garnishments can be initiated after the creditor gets a judgment against you for the debt you owe. The creditor will contact a sheriff who will send the garnishment paperwork to your employer. This allows money to be taken from your paycheck until the judgment is satisfied.

How long can my check be garnished?
It depends on your state law. Some states allow the creditor to pull money once, and other states allow the creditor to garnish your wages until the debt is satisfied. Check your state law for further information on this matter.

What kinds of wages are exempt from garnishment?
Welfare
Unemployment
Veteran benefits
Social security
Workers compensation
Child support
Pension
Sick and vacation days

How much can be taken out of my check?
Again, check with your state on the amount that can be taken out. Most states allow up to 25% on regular debt. For child support or alimony, 50% can be taken out. If you support a second child or spouse, up to 60% could be taken from your paycheck. See wage garnishment laws in the appendix.

How do I stop a wage garnishment?
You can stop this by filing a wage garnishment exemption with the court or with the levy officer within 10 days from the start of the garnishment. You want to claim that you cannot afford to have money taken because it will create a hardship for your family. In addition, it will prevent you from buying the basic needs like food. Only present this argument if you will indeed experience a hardship. If you file a claim for exemption and the creditor fails to challenge it within a certain amount of time allowed by the court, the judge may set the garnishment to the side.

You, or a lawyer, may file a motion to set aside, suppress, or void a writ of garnishment due to a lack of jurisdiction or unlawful bases. You can challenge the writ by stating that you never owed the debt to begin with, or that the statute of limitation to collect it has expired. You can also argue for inaccuracy, or that an improper person is identified as the debtor.
When settling, make sure you get a release to prevent the creditor from trying to collect the difference. Moreover, get a satisfaction of judgment letter. This document tells the court that the debt has been paid in full.

If the debt is too big and your negotiations fail, you can file bankruptcy. After initiating a bankruptcy, you must let your employer, the creditor’s attorney, and the levy officers know by sending them a copy of the voluntary petition. This will stop the wage garnishment. For more information on wage garnishment, check Title 111 of the Consumer Credit Practice Act.

Mark Clayborne is a Certified Credit Consultant with ten years of experience assisting consumers with credit issues. If you liked this article, then please sign up to read the first chapter of Hidden Credit Repair Secrets and get a Free Restore your Credit E-class by clicking here on

What is a credit report and why is it important?

What is a credit report and why is it important?

Your credit report is a snapshot of your payment history. It details when you applied for credit, how many positive and negative accounts you have, who viewed your credit report, and all of your personal information. Reviewing your credit report every four to six months gives you a chance to check for identity theft, inaccurate accounts, and incorrect information. It allows you to manage your financial situation before applying for a credit card, auto loan, bank loan, mortgage loan, employment, or insurance. For example, if you check your credit and notice that there were a few negative items on your report, you will have a chance to fix those items before applying for credit. By doing this, you avoid embarrassment and several inquiries, which lower your credit score

(c)2010 Mark Clayborne. All Rights Reserved

Rebuild your credit using a cosigner

What about using a Cosigner?

This method is good when you are trying to build or establish credit. Talk with a family member or a friend to have them cosign for you since you don’t have any credit are trying to build it. Cosigning means that due to your lack of credit or poor credit, the bank would like someone with good credit to back you up in case you default on the loan. Now, if you stop paying on the loan, the bank will go after your cosigner for the balance of the loan. Start with a small loan at the bank and make your payments on time for a year paying off the balance so that you can release your cosigner.

How do I build credit after bankruptcy

Question: How do I build credit after bankruptcy?

Answer: If you are trying to rebuild your after bankruptcy. Start right away with a secured card and pay your bills on time. After a year with the secured card, go to a retail store like Target and use the secured card with the Visa log and apply for instant credit. 

Mark Clayborne Certified Credit Consultant

Author of Hidden Credit Repair Secrets

(@)2010 All Rights Reserved

How do I get my credit report and score for free?

If you get turned down for credit, you are entitled to a free credit report and credit score. Write the credit bureau and ask them to send you a free credit report and score because you were turned down for credit.

Mark Clayborne Certified credit consultant

Author of Hidden Credit Repair Secrets

Get your copy HERE

I have my credit report and now what should I look for

Question: I have my credit report and now what should I look for?

Answer: 1.Make sure your name and social security number is correct.2.Look for accounts that do not belong to you.3.Look for accounts that are outdated.4.Make sure your credit limits are being reported correctly.

Certified Credit Consultant
Author of Hidden Credit Repair Secrets

(@)2010 All rights reserved

How can I get my credit report for free?

Credit Education
How can I get a free credit report?If you were denied credit for any reason, you are entitled to a free credit report. You must write the credit bureau and request for the report within 60 days from the date you were denied. I hoped that helped.

Certified Credit Consultant
Author of Hidden Credit Repair Secrets
(@)2010 all rights reserved

How do I stop a collection agency from calling me?

Question: How do I stop a collection agency from calling me?

Answer: Send them a letter stating that you do not want them to call your house anymore. By law they must stop.

Certified Credit Consultant
Author of Hidden Credit Repair Secrets

How do I get approved for a car loan with bad credit

Question: How do I get approved for a car loan with bad credit
Answer: Check out autocreditexpress.com. They specialize in consumers with bad credit.I hope this tip helped.

Certified Credit Consultant.
Author of Hidden Credit Repair Secrets

How should I deal with the money concept before I get married?

Question: How should I deal with the money concept before I get married?

Answer:Before you get married do the following:
!.Review each other's credit report.
2.Talk about past outstanding debts.
3.Talk about how money will be handled while married.

Certified Credit Consultant
Mark Clayborne
Author of Hidden Credit Repair Secrets

How do I build credit when I have none?

Question:How do I build credit when I have none?
Answer: Use a secured credit card. With these cards, you deposit $300 with the bank, and they give you a credit card that is secured by your deposit. Ask you local bank if they offer secured cards.

Certified Credit Consultant Mark Clayborne
Author of Hidden Credit Repair Secrets
(c)2010 All Rights Reserved

How can I avoid from being late on my bills?

Question?How can I avoid from being late on my bills?

Answer.Set up an automatic debit with your financial institution.
Set up automatic reminders with your financial institution.
Set up reminder alerts through your cell phone.
Set up reminder alerts through your computer calendar.

Certified Credit Consultant
Mark Clayborne Author of Hidden Credit Repair Secrets
(c)2010 All Rights Reserved

How can I get negative items removed from my credit report?

Question posed: How can I get negative items removed from my credit report?

Answer: Challenge the negative item with the credit bureau. The credit bureau has 30 days to investigate your complaint. Once the 30 days are up, the credit bureau will send you a letter stating whether the item challenged was deleted or verified.

Certified Credit Consultant Mark Clayborne
Author of Hidden Credit Repair Secrets