Reply
New Member
Posts: 4
Registered: ‎07-21-2013
0

Removal of Judgment on Credit Report

I need some advice. I'm in the process of repairing my own credit. I need a little guidance. I got a Discover Credit Card in 1998 (college). The credit card went into Collections and I started making payments on the account but stopped in 2008. They later sued me and started garnishing my check about a year and a half ago. I have completely paid them off but it shows up as a judgment on my credit report. I know judgments stay on for 7 years. It's having a serious impact on my score. Anything I can do?

 

Also I have a medical bill on their that's in collection. It's been there since 2008 is there anything I can do to get it removed besides paying it off

 

Thanks

Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

Re: Removal of Judgment on Credit Report


kikib wrote:

I need some advice. I'm in the process of repairing my own credit. I need a little guidance. I got a Discover Credit Card in 1998 (college). The credit card went into Collections and I started making payments on the account but stopped in 2008. They later sued me and started garnishing my check about a year and a half ago. I have completely paid them off but it shows up as a judgment on my credit report. I know judgments stay on for 7 years. It's having a serious impact on my score. Anything I can do?

 

Also I have a medical bill on their that's in collection. It's been there since 2008 is there anything I can do to get it removed besides paying it off

 

Thanks


Hi kikib and welcome to the forums. If the judgement was satisfied you would need to contact your local court and asked if it can be vacated. Not sure what state you're in. As far as the medical collection I would call the hospital and ask if they can pull the account back from the CA. 

 

Community Leader, 

 

DaBears

New Member
Posts: 4
Registered: ‎07-21-2013
0

Re: Removal of Judgment on Credit Report

I'm in Louisiana by the way. Thank you I'm going to try that. Wish me luck!

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.