Remove Judgments
A few things have to happen for a judgment to show up on your credit report. First, you have to be late paying on a loan. That means, really late, like past the first 30-days late that will go on your credit report, past the 60-day late, and the 90-day late. The loan will have to go into default, and then creditor will try and regain that debt that is owed them.
If it's a smaller debt, like under $500, then they'll turn the account over to a third-party collector for pennies on the dollar and write-off their loss, but not before adding the dreaded "collections" listing to your credit report.
The collection agency then starts calling, you, the debtor, and trying to get whatever they can.
When the debt is larger, and the stakes are higher for the lender, then they bring out the big guns. They'll get the best credit lawyer they can buy and send the case to a court of law. Both parties will have the opportunity to present their case, and you'd better believe the creditor will have their act together. Most of the time, if the person who owes the loan even shows up, they have no idea how to defend their case, even if they truly had a reason to be missing payments.
When a judgment is placed on a credit report, it means the court has decided in the favor of the creditor. Most people simply take their punishment, and decide that this is life; there's nothing you can do about it.
But that's not the case.
Since 1991, one company has been on the side of the consumer, fighting for their rights against a credit system that is designed from the ground up with the creditors best interests in mind.
In 2008, Lexington Law helped their clients remove 5,989 judgments from their credit reports. That's 5,989 times that the creditors could not provide substantial proof to the bureaus that the listings were accurate. With help from the credit lawyers at Lexington Law, 5,989 clients have a more accurate representation of their credit risk.
Without a doubt, the creditors will put their best lawyers and experts behind their every move, to continue their large profit margins, but not to ensure better accuracy with the bureaus. That's why the federal laws were created for the consumer; because something was lacking.
Lexington Law is providing the solution.
If it's a smaller debt, like under $500, then they'll turn the account over to a third-party collector for pennies on the dollar and write-off their loss, but not before adding the dreaded "collections" listing to your credit report.
The collection agency then starts calling, you, the debtor, and trying to get whatever they can.
When the debt is larger, and the stakes are higher for the lender, then they bring out the big guns. They'll get the best credit lawyer they can buy and send the case to a court of law. Both parties will have the opportunity to present their case, and you'd better believe the creditor will have their act together. Most of the time, if the person who owes the loan even shows up, they have no idea how to defend their case, even if they truly had a reason to be missing payments.
When a judgment is placed on a credit report, it means the court has decided in the favor of the creditor. Most people simply take their punishment, and decide that this is life; there's nothing you can do about it.
But that's not the case.
Since 1991, one company has been on the side of the consumer, fighting for their rights against a credit system that is designed from the ground up with the creditors best interests in mind.
In 2008, Lexington Law helped their clients remove 5,989 judgments from their credit reports. That's 5,989 times that the creditors could not provide substantial proof to the bureaus that the listings were accurate. With help from the credit lawyers at Lexington Law, 5,989 clients have a more accurate representation of their credit risk.
Without a doubt, the creditors will put their best lawyers and experts behind their every move, to continue their large profit margins, but not to ensure better accuracy with the bureaus. That's why the federal laws were created for the consumer; because something was lacking.
Lexington Law is providing the solution.
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