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I have 2 judgements on my credit. Is there a way to remove them? 1 is medical and 1 is a payday loan. All are marked paid.
@lalaredd wrote:I have 2 judgements on my credit. Is there a way to remove them? 1 is medical and 1 is a payday loan. All are marked paid.
I'm not sure how long yours have been reporting, but I know with mine they have been stubborn. I had one judgement report as two different ones. Mine have been reporting since 2005 and they won't come off until early 2012. The good news is the older they get, the less impact they have on your credit score.
The only way to get paid(satisfied) Judgments removed is to ask the attorney who recorded it and/or the creditor. They do not have to remove it but you can try and write goodwill letters to them to try and get it off. Otherwise, you have to play the waiting game until they fall off.
I thought you could get a judgment "vacated" and then it could be removed ??
I was under the impression judgements stuck like stone after the courts ruling. I am a little under a year from having mine removed.
@kjm79 wrote:The only way to get paid(satisfied) Judgments removed is to ask the attorney who recorded it and/or the creditor. They do not have to remove it but you can try and write goodwill letters to them to try and get it off. Otherwise, you have to play the waiting game until they fall off.
Actually, no.
The only way to get a judgment removed from your credit file is either it drops off due to age or the court which entered the judgment vacates it. Vacating a judgment can only be done by the court and nobody else.
Simply paying a judgment is not generally grounds to have it vacated. That said, sometimes judgment creditors can file a motion for you in court and have the court vacate the judgment. And sometimes the court will accept that and vacate the judgment. But the court does not have to.