how do you get rid of a judgment from sears on your credit report?
374469
you can't get rid of a judgement until you pay it
345103
What is it you are trying to do?  Remove a past credit listing placed because you were late with car loan payments?\n\nKeep in mind that now the loan is paid off they may not want to cooperte with you on this.  Just ask them politely.  Tell them you have paid off the loan, you are an active credit union menber and would appreciate if they can help you restore your credit.  At least have the listing updated to show the loan is paid in full.\n\nTalk to someone in the collections department.  They know what a letter of deletion is, they are acting stupid!
298229
Frank!  Go away!\n\nI agree with the other people's advice...if all you owe is $2000 then it's worth trying to work it out with the credit card company.  Even if it involves making minimum payments.  That would work out to around $60-80 a month.  \n\nBy doing that, you avoid additional fees and penalties, until you can get your feet under you financially.  \n\nThe worst thing?  First they will place a report on your credit, making it hard for you go get loans in the future.  \n\nFor $2000 they may sue you.  If you have an income, or property such as a home or car, they may decide it's worth the effort.  If they do, tack on court costs and lawyer fees to what you owe.\n\nOnce they get a judgement, they can either garnish your wages, attach a lien to your bank accounts, take your car or put a judgement lien on your home (then you can't sell it).  \n\nThey don't go after your furniture or other posessions as nitwit says above.\n\nSo, my opinion, call the CC company and work it out.  If they don't budge, send them a letter to cease and desist so they stop calling you.
188686
First of all, I am NOT a lawyer, just a student.  But ironically enough we just covered this topic in class.  Once you have the judgement, you can either garnish their wages (won't work for you cause he quit his job) or go after their property.  The problem is what property do they own?  You need to know this before you can get a judgement to have it sold.  You can apply to the courts for a discovery so that the defendant is compelled to disclose all of his/her assets and the judge can then make an application on the spot for those assets to be liqidated to satisfy the debt.  You can also do a search with the local registry to see if he/she own a vehicle and make an order to have that sold or transfered to your name.  Hopefully this helps....
715898
Just because they have a judgement against you doesn't mean they will automatically garnish your wages.  It is their option to take the judgement to another level and file a court action to enforce that judgement.  If they have some collateral on the loan they could try to repossess it first.  Or they could file to satify the judgement with a garnishment of wage.  If you can talk to them and work out payment arrangements they may work with you to resolve the judgement without going that far.
68828
I am a bankruptcy attorney in California.  If you had an attorney helping you with the bankruptcy, he or she will probably take care of this for you as a courtesy.\n\nYou should have received a copy of the discharge notice from the bankruptcy court.  Schedule and appoint with the nearest DMV office (faster service) and bring a copy fo the discharge order.  They may want to see proof that the civil judgment was listed as debt.  That should take care of things for you.
755555
First get a copy of your credit report, if you've been turned turn recently its free. myfreecreditreport.com you can get one there also. Then you need to dispute all the negative items on the report and state the reason why. it could take up to 30 days but if you do it online it just takes a few days. If the negative items are wrong then they must be removed, if they are right then they stay on your report, but you can write an explaination which sometimes helps.
761520
Try this to improve your score:\n\nFirst know that the bureau must verify any debt you dispute. If they can not verify it, it must be deleted. They have 30 days to do this.\n\nWith 7 years in the credit business, I recommend disputing them all at the same time, as you will likely need to go through several rounds of letters to get what you want done. If something is blatently wrong with your credit report, call the bureau after they write back and refuse to remove it. Go up the food chain until a manager agrees to remove or amend the incorrect info on the spot. Don't buy into their speach about re-disputing it - but make sure you have provided the information necessary by mail already to correct the error. It will not help you to insist on something being removed if you have not provided verificaiton on why.\n\nWhen you mail in the dispute letter, mail in as much information as possible with it. If your verification is a bankruptcy, send in all the pages to your petition and tab the important pages for them to review.\n\nAlso mail in a copy of an electric bill and a copy of your ID to avoid any delays. See the FTC web's site for your specific rights with collectors and debt reporting:\n\nhttp://www.ftc.gov/\n\nIf your problem is directly with the creditors, write to them ONE time. If they do not remove incorrect information, write to your state's attorney general's office and the FTC. This will get you the results you seek if you are in the right.\n\nIf this is a collection agency problem, write to the same people plus the ACA at www.acainternational.org. Collection agencies are generally slime, so know your rights before you call them. See your rights here:\n\nhttp://www.ftc.gov/bcp/conline/edcams/credit/index.html\n\nIf you have legit items that are bad, dispute them also. If they can not be verified, they must be deleted. It is not your responsibility to prove they are inaccurate, it is the credit bureaus who must demonstrate they are.\n\nHope this helps!
144861
Call the credit report company and they will tell you the number or address of the company in question.Also if it's on your credit report it usually tells you when they will take the charge off.
81470
if the person affected your credit rating, contact FICO immediately. get a copy of your credit report, and then go through the process of writing letters to remove errors from your report.\n\nto move forward in life, business, or whatever, it's very important that your credit is clean!
793989
First read ugottafriend4life's answer again and follow it.  You may be able to add it to your BK.\n\nNext...VERY IMPORTANT!  Is this the first collection letter you got?  It should have a statement telling you that you have 30 days to dispute the debt.  \n\nSend them a dispute letter and demand validation.  That will buy you some time to look into the BK filing.  It also places a "stay" on the collector preventing him from placing anything on your credit report.  By law, he can not proceed with collection activities until he validates this debt.\n\nDuring this time you can negotiate with either the doctor's office (preferred) or the collector.  But demand IN WRITING that in exchange for payment they must not place anything on your credit report.  Does it make any sense to you to pay the bill and still have your credit messed up by these jerks?  If they sue you, the judgement stays on your credit report for 10 years, same as the BK report.  So they really can't do much harm to you.  But if they want your money then make them give you something in return!
391711
Go to the credit reporting company that has the disputed item(s).  They will have a link that says something to the effect of "something not right on your report? Click here to find out how to fix it" or dispute credit report here.  They will provide a form that you fill out and send to the reporting agency.  Or you could call the credit reporting agency and dispute it over the phone.  It's faster through the phone.  I am sure they also have an e-mail feature, also.  I know Equifax, Experian and Transunion are the three biggest agencies.
167107
Do not pay it, unless you have a written letter from the university stating that it will remove the bad rating from your credit report.  Most creditors will just mark it as paid and it will show as a paid collection account.  That is the worst mark you can have on your credit history.\n\nNegotiate with them to lift the mark and have it in writing before you pay.  After you pay, it will be too late and they will not take the effort to remove it.
235102
The laws and procedures vary by state, so I encourage you to consult a local attorney for further advice.  As an attorney with experience setting up wage garnishments, I can offer a few comments.\n\n1.  Creditors are almost always willing to listen even if they have a judgment.  Try negotiating a payment plan you can live with.\n\n2.  If you are appealing the judgment, most states will require you to put up collateral for an appeal bond.\n\n3.  You might be able to file a claim of exemption.  Some states have laws that allow judges to reduce the amount of garnishment due to economic hardship.  If you live paycheck to paycheck and need every dime to pay rent, the judge my reduced or stop the garnishment.  You should see a local attorney or maybe the court clerk to get the necessary forms.\n\n4.  Bankruptcy is an option to consider.  Filing bankruptcy will stop garnishment right away.  Consult a qualified bankruptcy attorney.
422405
I posted the links to several sites with sample letters.  I think those and the other links will help you out a lot.\n\nJust a word of caution.  Before you start doing battle with the Credit Reporting Agencies (CRA's), you must first read and understand the Fair Credit Reporting Act.  It goes into the procedures that you must follow exactly if you want these items removed.  Remember, CRA's do not remove or  change items on your report.  Only the creditor can do that.\n\nSo, your first step is to ask the CRA to "verify" the listing.  The CRA does NOT investigate anything.  They will simply contact the creditor and ask if it's a legitimate debt, and if the information is correct.  If the credit says "yes" (in almost all cases I've messed with), then the report will stay in your records, but will now have a note that it is being disputed.\n\nYou must now send a letter to the creditor demanding that they "VALIDATE" the debt.  Use the sample letter below for that.  Validate means they must supply you with copies of contracts, bills, receipts, or anything that was used to calculate the debt they claim you owe.  If they do not respond back in 30 days, or if they do not remove the listing, they are in violation of the FCRA and you can sue them in court for penalties and damages.  \n\nKeep all letter and record any phone calls you make.  Send letters by certified mail so you have proof you sent them.  DO NOT be afraid to threaten lawsuits if they do not comply.  I've helped several people fix problems, plus cleaned up my open report from a lot of wrong information and ID Theft.  The threat of a lawsuit is the only thing these guys seem to understand.
934097
You know I was gonna sign up with them, but I can tell you they are a scam. They will stretch sending those dispute letters for a long time so you have to keep paying them monthly-\n\nYou can do what they do by sending the letters and disputing your credit errors by yourself. It is very easy. I just got a judgment taken off last week. \nSign up with www.truecredit.com\n\nThen look for the errors- \nmake 3 copies of your credit report and highlight all the errors\nsend one copy of your report to each of the credit agencies(trans union, equifax,expirian)\nAlso write a head letter for each credit agency\n\nheres a sample letter(customize it to each credit agency)\n\n Credit Report Dispute Letter\n\nDate\n\nComplaint Department\nName of Company\nAddress\nCity, State, Zip Code\n\nRe: Your Name\nYour Date of Birth\nYour Social Security Number\n\nDear Sir or Madam:\n\nI am writing to dispute the following information in my credit report; I have circled the items I dispute on the attached copy of my credit report.\n\nItem 1: (identify item by name of source (i.e. \ncreditor) and type of item (i.e. credit card account, judgment, etc.) This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (updated, modified, etc.) to correct the information.\n\nItem 2: (if applicable, etc.)\n\nEnclosed are copies of documents (i.e payment records, court documents, cancelled checks, etc.) which support my dispute of the above-referenced item(s). Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.\n\nSincerely,\n\nYour name\nYour Address\n\ncc: creditor(s)\n\nEnclosures: (List what you are enclosing)\n\nMail this letter along with a copy of your printed credit report to each agency:\n\nDo not dispute any bad credit that is not listed under that agency.For example if you have a credit error with transunion and its not listed with equifax, you dont want to send a dispute letter to equifax because this will only cause the creditor to possibly make a report to equifax.\n\nSend your letters First class mail and always keep all copies of what you sent and receipts that you did in fact mail your disputes.\n\nThis way you have proof of the exact day you mailed your claim . The credit agency has 30 days to do the investigation or bye bye baby the debt gets deleted.\n\nHere is another letter for your creditors to demand proof of your debt:This was emailed to me by another yahoo board member and it is great:\nSample letter to creditors\n\nThis letter is being sent to you in response to a notice sent to me on December 16, 2005. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.\nThis is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.\nPlease provide me with the following:\n• What the money you say I owe is for;\n• Explain and show me how you calculated what you say I owe;\n• Provide me with copies of any papers that show I agreed to pay what you say I owe;\n• Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.\n• Prove the Statute of Limitations/UCC has not expired on this account\n• Show me that you are licensed to collect in my state.\n• Provide me with your license numbers and Registered Agent\n\nAt this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mar
112221
The first thing I would do, is if you owe the debt, contact the original creditor in writing expressing that you are intrested in resolving the issue and are being harassed by a collection agency...be sure to provide them with who the collection agency is.  If you still owe it, they will work with you.\n\nAs far as stopping the calls, simply ask the agency for their mailing address and send them a certified letter demanding the harassment and phone calls stop and that all communiction should be in writing.  Be sure to log the calls and the times and any threats or harassing they commit.  After they recieve the letter, it is illegal to call you....if they do, file a complaint with a copy of your letter and the certified receipt showing they received it along with your log to the authorities.  Whatever you do, do NOT discuss the debt with them at all!  Simply cut them off politely and say that you need a mailing address and tell them that any future communication should be in writing.  Follow up with the certified letter, and it should stop.  Also, if the collection agency has reported the debt on your credit report, you can remove it by sending a letter to each of the creit reporting agencies denying the accuracy and demanding that the debt be "validated".  This will give the collection agency 30 days to send a copy of the original signed credit agreement as well as a complete payment history.  If they donot do this completely within the 30 days, it must be deleted by law.\n\nGood luck....I hope this helps you.