| How is this judgment lien impacting your credit rating | | | | judgment on your credit history what do you do about |
| scores? How do you clear this judgment from your | | | | it? By looking at the credit report information you may |
| credit report? | | | | not even be able to tell who the creditor was and |
| First, a judgment lien is a court order that requires the | | | | what the initial debt was. |
| debtor to repay the specific debt listed in the judgment. | | | | You will see a document id and usually will see |
| This debt might have been a collection on your credit | | | | something that will help you identify which government |
| report at some previous time. Because you did not | | | | court house you will need to go to find out more about |
| pay this debt, even after it became a collection, then | | | | the judgment. You may also find the attorney's name |
| the creditor had an attorney file a judgment lien | | | | that filed the judgment for the creditor. You will either |
| request in the courts and a judgment against the | | | | need to go to, or call, the court house where the |
| debtor was granted by the courts. This judgment lien | | | | judgment lien is recorded and find the attorney's name |
| was then reported to the credit bureaus so it will show | | | | if it does not show up on your credit report. |
| up in the debtors credit file and will not only impact their | | | | Call the attorney's office and get the information about |
| credit scores but will prevent that person from getting | | | | the judgment. Ask the attorney if the creditor will settle |
| additional new credit with another creditor. | | | | for less money if you pay it in full. You will pay the |
| Unfortunately due to poor bookkeeping by some | | | | amount due to the attorney's office. When you do, |
| attorney's offices and by the credit bureaus | | | | make sure you get a letter from the attorney's office |
| themselves, even when you pay this judgment in full it | | | | which not only states the debt is paid but, also clearly |
| may still appear as unpaid on your credit report. I find | | | | states the document id that is associated with the |
| that a lot of people are unaware that they have a | | | | debt on your credit report. You want it to match |
| judgment lien against them until they get a free credit | | | | exactly. |
| report and start reviewing it. | | | | Once the judgment is paid, mail a copy of your paid |
| If you haven't taken time to view your credit history | | | | letter to all three credit bureaus along with a letter |
| recently then you need to get a free government | | | | asking that they clear this debt in your credit file; don't |
| credit report and check your credit rating before you | | | | depend on the attorney's office to do this for you. |
| ask a creditor to grant you new credit. You don't want | | | | Once the judgment is cleared from your credit history |
| to wait until that time to find out that you have a | | | | you will see your credit scores improve. |
| problem showing up in your credit file. If you do find a | | | | |