Credit repair, or the process of taking an adverse credit history and making it good can take some time to resolve, indeed in some cases years. However, sometimes there are circumstances you can take advantage of which can sigificantly speed up the time involved in the process.

Usually once an individual has a court judgement issued against them they have 28 days in which to settle the outstanding amount. If they do settle in time the judgement is marked as satisfied and the individual may apply to the court to have the judgement removed from their credit report entirely. Should that an individual not make payment within the allotted time then the judgement will remain on their credit report for six years from the date of judgement. Clearly this will have a potentially hampering effect on that individuals ability to obtain credit in the future.

Ordinarily and quite accurately advice is generally given that once a judgement is on your credit report it cannot be removed. This is indeed correct, provided the judgement was correctly issued. If you can successfully argue that the judgement was issued in error then the court will sanction its removal.

Valid reasons you might give to the court in support of your argument would be that the technical procedure was not correctly followed. For instance you might argue in no particular order that you did not receive a formal default notice; you never received the court summons; you were unable to attend court at the appropriate time; or that you were given insufficient notice of court proceedings.

Note it may well be that none of the aforementioned procedures was incorrectly followed. In this case you would be advised to contact the original lender and negotiate with them. Your argument might be, for instance, that in return for accepting and supporting an application to the court that the judgment was issued incorrectly you would settle off any outstanding amounts due.

In the event that there was an error in procedure, whilst you would not need the cooperation from the original plaintiff lender, you would almost certainly have to show the court that you have continued to make payments to that lender as not having done so would weigh against you.

This tip, easily checked and executed, can remove one of the more serious blemishes on your credit report and set you well on the path to rapid credit repair.