How do I get a judgment removed from my credit report?

If you have a judgment on your credit report in North Carolina, there are a few steps you can take to try to get the judgment removed. Under Consumer Debt Defense Law in North Carolina, you can ask the court to vacate or set aside the judgment and then ask the credit bureaus to remove it from your credit report. The first step to removing a judgment from your credit report is to file a motion to vacate the judgment with the court. This motion must be filed in the court where the judgment was entered. You should state in the motion that the judgment should be vacated because of some mistake or irregularity. This could include if you were not properly served notice of the court hearing, if the debt was not valid, or if you have paid or settled the debt. Once the motion is filed, you can wait for the court to have a hearing and decide whether to grant your motion. If the court grants the motion, you need to ask for a certified copy of the judgment to be vacated and then send this to the credit bureaus. The credit bureaus will then remove the judgment from your credit report. You should also send a copy of the judgment to the creditor who had the judgment entered against you. This can help ensure that the creditor does not take any further action to collect the debt. If the court does not grant your motion, you still have other options for attempting to remove a judgment from your credit report. You can dispute the judgment with the credit bureaus or negotiate with the creditor to have the judgment removed.

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