NEW YORK (MainStreet) — It happens to the best of us: you let an old debt get too far. No longer merely a collection, the debt has become a judgment. This means that a court has found against you and your debt is a matter of public record. It’s stuck on there for the next ten years, right? Wrong. In fact, there are ways to get judgments off of your credit report that are relatively painless.
Pay For Removal?
One of the main things people will do to get a judgment taken off of their credit report is pay it. Sometimes this is done under a “pay for removal” understanding. However, Mike Sullivan of Take Charge America, points out that pay for removal isn’t an option once you have a judgment. “If [your outstanding payment] is 90 days late you can negotiate,” he says, “A judgment is a public record.”
This is because a judgment is entered by the courts, not your creditor. So your quest to get a judgment taken off of your credit report will begin with contacting the court who made the judgment.
But can you even get a judgment taken off of your credit report once it has been entered into the public record?
So Can You Remove It?
The short answer is yes. In fact, Randy Padawer, a consumer advocate at Lexington Law, is a little more bullish on removing judgments.
“I actually think removing judgments are some of the easiest things to do,” he says, going so far as to say “recent 30-day lates are much harder to remove than judgments.”