Credit Corp
JUNE 14, 2020
Zombie Debts and Judgments. If the original creditor went to court and obtained a judgment against you for a debt, the zombie debt cycle can be more complicated. First, judgments provide the creditor with the legal means to collect via actions such as wage garnishments or bank account liens. It can also seem a bit more vicious.
Credit Corp
APRIL 2, 2024
Your credit report begins with your basic details—your full name, your birth date, your current address, past addresses, and so forth. Credit reports should no longer include details about liens and judgments, but bankruptcies do still appear. Next, you’ll see an informational breakdown for each line of credit you have.
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Credit Corp
MAY 23, 2021
Bankruptcies, for instance, often remain on record for up to a decade. Tip: Liens and civil court judgments used to appear on credit reports, but credit bureaus no longer collect information about those types of public records. Bankruptcies are now the only public records included on credit reports.
Better Credit Blog
AUGUST 19, 2020
Your credit report is like a report card for your credit history. If you receive a public judgment from a court regarding one of your debts, you can end up with an entry on your credit report. These entries are extraordinarily difficult to get rid of, and they can remain on your credit report for up to seven years.
Better Credit Blog
APRIL 1, 2022
Other Factors: Keeping a mix of different types of credit — a student loan, a couple credit cards, a car loan, and a mortgage, for example — will help your credit score some. Limiting new credit applications can help, too. But it won’t help your credit score. A Credit Report is Complex Yet Simple.
Better Credit Blog
JANUARY 29, 2021
From there, you should file a dispute with the credit bureau(s). The Fair Credit Reporting Act requires bureaus to handle disputes with a 30-day investigation. A credit repair company is also a great asset if you’re facing any of the following: Bankruptcy. Charge offs. Debt collections. Foreclosure.
Better Credit Blog
JANUARY 6, 2021
Dealing with lenders and credit bureau representatives regarding fraudulent inquiries can be a hassle. If you don’t have the time or energy to devote to disputing the entry, you may want to turn to a credit repair company. These businesses are adept at tackling big and small credit issues, including: Bankruptcy.
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