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On a bright summer morning Kayla Clark, one of my neighbors, went shopping for a car. She was under the impression that she owed nobody any monies and since she was debt free, she thought of owning a small car to help her finish her various errands easily and in less time. Little was she aware that she would receive the shock of her life when she applied for an auto loan; that there was a civil judgment against her. Kayla now 40 years old, retired as a model 10 years ago to be a full time mom of two and in the initial stages of her budding career had acquired a credit card which she used diligently but was still charged exorbitantly high rates of interests and there were some fraudulent charges that she had disputed with the credit card issuer. Over the years she ignored collection calls and changed addresses due to work and forgot about the episode. She wasnt aware that the credit card company filed a law [link widoczny dla zalogowanych] suit against her and since all evidence proved to be against her, she was awarded a civil judgment. However, after negotiating with the card company, she paid the amount pertaining to her actual purchases and [link widoczny dla zalogowanych] got a waiver for the fraudulent transactions.

After the distasteful episode with [link widoczny dla zalogowanych] the credit company, Kayla avoided credit. Now Kayla was at a loss as to what course of action she would have to take. She approached [link widoczny dla zalogowanych] a professional credit repair company and sought advice. She was advised to dispute the civil judgment listing with the three credit bureaus [link widoczny dla zalogowanych] directly. The company was ready to do the same for her for a fee. Now Kayla decided to take [link widoczny dla zalogowanych] up the matter in her own hands and wrote a letter of dispute to the credit [link widoczny dla zalogowanych] bureaus disputing the validity and accuracy of the civil judgment listed in her report. However, [link widoczny dla zalogowanych] the credit bureaus ignored her repeated letters of dispute. Finally she approached a credit repair company [link widoczny dla zalogowanych] to handle her problem. The company helped Kayla get rid of the civil judgment in her credit report.

However, there [link widoczny dla zalogowanych] might be many cases where the loans with a default are a common aspect. Usually when the loan accounts become delinquent and the credit company finds it difficult to recover the monies owed, the loan accounts would be sold at very low price to a debt collection agency. When all debt collection tactics fail with a debtor, the company would approach a civil court and sue the individual. In case the civil court finds the debtor to be in the wrong, then the court would award a civil judgment against the debtor which would be reported in the debtors credit report. A civil judgment would negatively impact a persons credit rating and even if the debt is paid in full after the judgment, it would be reported as satisfied judgment which would again negatively impact the credit rating. [link widoczny dla zalogowanych] prove beneficial to negotiate with the creditor using the [link widoczny dla zalogowanych] payment as leverage to remove the listing.

It might also be beneficial to seek debt loan help from a reliable credit relief company [link widoczny dla zalogowanych] when one requires a loan in spite of a civil judgment listing in ones credit report. Sometimes calling ones creditors asking them to help reduce the debt might also work as the creditor would not want to lose whatever little money they might get out of a delinquent debtor in case of a debt settlement. In case [link widoczny dla zalogowanych] one owes huge sums of money, then working towards debt resolution would be the right step in the right direction. Working towards a debt free life would be worth every difficulty one might face during the long drawn out process as a credit report with paid in full would be a welcome change.