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You can check your credit report to see who has placed a judgement and deal with that creditor directly. There are indeed legitimate businesses out there that can help you clean up your credit record. However it depends on your budget and whether or not you can afford their rates.

Beware, some companies are selling "credit repair kits" from $19-$99 and recommended information that is illegal and could get you into trouble. They are advising consumers to apply for new employee ID numbers, and then use them instead of their Social Security numbers to apply for more credit. Using an improper identification number is fraudulent and will be a further deterrent to cleaning up your credit record.

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17y ago

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