Having the Judgement vacated and having the judgment removed from your credit report are two separate things. Having your Judgment Vacated or having the Default Judgment set aside means that you have petitioned the court to have your case re-opened by the judge giving good cause or reasons why the default judgement should be lifted. If lifted or set aside, then the creditor in this case must put their arguments for payment back before the judge, and you will have an opportunity to make your arguments to the judge concerning why you have not paid or convey your intent to pay. Often times Judges will allow you to enter into an out of court payment arrangement to pay off the creditor. A credit reporting agency by law must record true and accurate credit information on your report. Once the Default Judgment was entered, and this information was provided to the credit bureau, the bureau was correct in reporting it. The only way to have this removed is to contact the original creditor to see if they will remove it once paid. or to dispute the validity of the debt with the credit bureau. You can have an attorney perform both processes for you.
Kevin Bessant
Law Office of Kevin Bessant & Associates PLLC
1274 Library St. Suite 304,Detroit, MI 48226
313-658-8159
http://www.criminaldefensedetroitpllc.com
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