Is there a time limitation to dispute credit card judgements on your credit report?

Question

I have two judgements on my report from credit card companies. One is from 2006 for $3081. This one caused my bank account to freeze and emptied my account. I met with a bankruptcy lawyer after that and he told me that there isn't anything that I can do even though I was not properly served with papers of what was going on. This was a card from 99 that was stolen and when I tried to explain to Providian, they wouldn't do anything about it. The other judgement is for $1081. I think it is from 2007. This was for a card that I never applied for. I was not served with papers for this court order either. I think they are serving the court orders to my parent's house. The judgement for $1081 is an account that I think my mom opened when I was younger. I asked her about it and she said that she had payed $800 to them to settle but they didn't take it off. What do I need to do to default the court judgements? I am trying to buy a home but I cannot get a loan with court judgements on my report.

Answer 1

You can use credit repair agency to remove it from your credit - for example this one - http://creditreport.fateback.com - They can clean lots of such bad stuff from your credit report - and do it much faster than yourself, so your credit will go up fast.

Answer 2

Hey I had the same problem about 100 days ago.  I found this great product that helped me raise my credit score literally 150 points!!  I was really skeptical at first, but I got really GREAT results and all I did was follow these steps!!

HOPE EVERYTHING GOES WELL FOR YOU!!

Answer 3

You can't dispute these judgments with the credit bureaus and get them removed.  They will be there for 10 years.

You could get a lawyer who knows what they are doing and try to get the judgments set aside due to improper service.  But this will take a lot of time and money.  The creditors are likely to just sue you again and win.

Your best bet at this point, is to settle.  Find out who currently owns the judgments.  Get copies of the judgments from the court.  You may be able to settle for less than the full amount.