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A judgment, default judgment, and credit card judgment all mean the same thing.

You are legally responsible to pay back a debt. This has happened in a court of law.

The creditor has sued you and won their case. This gives the creditor legal grounds to have your wages garnished to pay back the debt.

This will cause you credit score to be negatively impacted, it is a very derogatory mark to have on your credit. Judgments can be sought after for any sort of unsecured debt, it is common for collection agencies to seek judgments.

This mark will remain on your credit file for 7 – 10 years. It depends upon what state the case was filled in and what the statutes of limitations are in that state. It is also common for lenders to seek a renewal judgment if the debt has not been repaid at the end of 7 or 10 years.

This makes it possible to never be able remove a judgment. However with some savvy credit repair attorneys and a little luck you may be able to remove a judgment without paying it.

I would first suggest creating a dispute letter. In this letter you identify the judgment listing and explain the reason it is not accurate and mail it to the credit bureaus.

The bureaus will then hold an investigation. They will try and verify the debt and the amount of the debt with the lender or collection agency.

If they can not verify the account is accurate then it must be removed from your credit report. It is common for investigations to result in a mark being deleted.

However a judgment is a very bad mark and these marks are more likely to be verified. This typically means you are going to just have to live with the negative mark.

However in some circumstances a judgment is simply wrong. The mark should be removed from your credit report.

This is the time when you should consider a credit attorney. They have an expert knowledge of credit laws and the ability to go to court if necessary to prove that the judgment is wrong and should be removed from your credit.

Credit attorneys do not have to be paid thousands of dollars. You can actually hire them at a reasonable rate. A very popular credit repair service Lexington Law has over 20 attorneys and can be hired for as little as $39 a month.