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

If you have an unsatisfied judgment (a court ruling against you) on your credit report in Washington, you can get it removed by following a few steps. The first is to contact the court where the judgment was issued to see if it can be vacated or reversed. The court might rescind the judgment if you can prove that you have made payments on the debt, that the debt is no longer valid, or that the court made a legal error in the ruling. The next step is to contact the creditor who initiated the suit (the company or person you owe the debt to). In some cases, the creditor may be willing to dismiss the judgment and agree to remove it from your credit report. You can also try to negotiate a settlement with the creditor, which usually involves making an agreed upon amount of payments to settle the debt. If neither of these options are successful, you can contact a credit reporting agency to dispute the judgment and request it be removed. You will likely need to provide proof that the debt is no longer valid or that payments were made on it. If the debt is determined to be accurate, the agency will not remove the judgment from your credit report. Finally, you can also contact a Consumer Debt Defense Law attorney for assistance. An attorney can work with the creditor, court, and credit reporting agency to help you clear the judgment from your credit report.

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