LEARNING HOW TO GET CONNECTED
WITH GOOD CREDIT - Part 3
HOW TO REMOVE A JUDGEMENT THROUGH
A
"MOTION TO VACATE"
People have reportedly removed damaging entries
(such as judgments) from their credit files by
using the following method:
1) Hire an attorney who is willing to help you
with your goal of having damaging entries removed
form your credit file.
2) Ask your attorney to file a motion of Service
of Process for the purpose of having a damaging
judgment entry removed from your credit file.
It may be a weak argument for sure, but in this
motion, your attorney will argue that the process
was served improperly. People have reported that
this technique will ultimately work in your favor.
3) By filing a motion of "Service of Process"
you are forcing a creditor to appear in court
with an attorney to prove the initial legal process
was done properly.
4) This legal maneuver works in your favor because,
if the lender responsible for the judgment (for
example) has been paid, why would he even want
to go through the time and expense of showing
up?
5) If you show up and the creditor doesn't, you
will win your case through default. Then you will
have the legal ammunition necessary to have the
damaging judgment information removed from your
credit file.
HOW TO UNCONDITIONALLY FORCE
CREDIT BUREAUS TO QUICKLY GIVE YOU THE ADVANTAGE
BY PLACING POSITIVE INFORMATION INTO YOUR CREDIT
REPORT
According to Federal Laws enforced by the Federal
Trade Commission (FTC), if a credit report results
in a debtor's application for credit being denied,
that person has the right to add information that
will show a more positive credit history.
All you have to do is contact the credit bureau
of your choice and ask them to contact a list
of banks, lenders, or other creditors whose names
you will provide, for the purpose of having the
credit information they provide on you added to
your credit file. there may be a small fee, but
the good news is that you will practically be
able to force a credit reporting agency to improve
the substance of your file by putting positive
entries on your credit report.
The only businesses you should list are those
with whom you have had a flawless credit relationship
with. Contact the people on your list and let
them know a credit reporting agency will be calling
or send them a questionnaire. After information
has been received and verified, the bureau can
add positive items to your credit report.
THE EQUAL CREDIT OPPORTUNITY
ACT & WOMEN
Under the Equal Credit Opportunity Act, women
have the right to build up their own credit without
being discriminated against. Women who do not
apply for credit in their own names are at a distinct
disadvantage. In the event of a divorce or death
of a mate, there wouldn't be a credit history
reflecting any personal contributions.
Under the Equal Credit Opportunity Act there
is not reason for women to lose their identity
when they are married.
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