Judgments - How You Can Remove from Your Credit Report

By John Cooper

Judgments are also called default judgments or credit card judgments. These terms all have the same meaning.

A judgment means you have been found legally responsible for a debt. This finding has happened in a court of law.

Your creditors' attorneys went to court and filed a lawsuit against you and won. This means that you wages can be garnished to pay this debt.

This is a very bad mark to have on your credit and will cause your credit score to be lowered. Often collection agencies will try and win a judgment. Judgments can happen with any form of unsecured debt.

This mark will stay on your credit for 7 - 10 years dependent upon the state that court was held in, and the statute of limitations in that state. However it is common for creditors to renew judgments.

This makes it possible to never be able remove a judgment. However with some savvy credit repair attorneys and a little luck you may be able to remove a judgment without paying it.

I recommend you first disputing the judgment with the credit bureaus. This is done by writing a dispute letter in which you explain why the listing is wrong and should be removed.

The bureaus then must conduct an investigation into the disputed listing. They will try to verify the existence of the debt and the amount of it.

If the debt is inaccurate or is not verified then the bureaus must remove it from your credit. Frequently investigations result in a negative listing being removed.

However a judgment is such a severe mark that it doesn't have as good of chances of being removed. This often means you are stuck with the listing.

However in some cases a judgment is not correct. Thus the mark should be removed and you should not be responsible.

This is when I would suggest a credit repair law firm. They can use their knowledge and expertise and if necessary a court of law to prove that this judgment is not correct and not accurate.

Credit attorneys do not have to be paid thousands of dollars. You can actually hire them at a reasonable rate. A very popular credit repair service Lexington Law has over 20 attorneys and can be hired for as little as $39 a month.

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To learn more about how to remove judgments or for a free sample dispute letter visit us.

How to Use Viral Real Estate Marketing on MySpace

By Dr. Matthew Loop

Alright, some of you are probably wondering, "What the heck is viral marketing?" Let me clear something up fast. "Viral marketing" is in no way related to a computer virus. On the contrary, this term is referring to a marketing plan which propagates like a virus. Simply put, from one person to the next at high speed.

It is otherwise known as "buzz marketing," but viral marketing just refers to any trick or strategy to establish buzz, while getting other individuals to market you product or service for you. This is all done with no extra effort on your behalf. This can be extremely effective for real estate professionals like investors, realtors, agents, brokers and it's very lucrative.

Let me give you a clear example. Picture sending an email, message or bulletin about one aspect of real estate to 100 people, and 15 of those 100 send it to 100 more, and 15 of those folks send it to 100 more and so on and so forth, until you have reached hundreds of thousands.

This, in a nutshell, is what viral marketing is geared to do. It disperses your marketing message to massive amounts of individuals that you wouldn't have reached with other conventional forms of media. When it comes down to it, viral marketing can basically transform highly-targeted prospects into apostles for what you are promoting.

When you tap into the secret power of the popularity of online games, videos, graphics, and other programs on sites like YouTube, you'll create a great network of friends and proponents of your business.

Take advantage of this viral approach when you send out any messages, bulletins, comments and blogs into the market. My training series is comprised of 30 easy-to-follow videos that will take you step by step to your own success in real estate, chiropractic practice, network marketers and so many more. It's time to transform your life and your business forever.

I can't stand to see another real estate marketer make another whopping mistake on MySpace, but it happens more than you can imagine. This can greatly hinder your future growth. Don't make your profile look like a big promo ad, glaring in everyone's face. Not only will it look like Spam and people will be turned off by it, but MySpace might just pull your profile for unregulated solicitation.

You don't want to lose your opportunity to harness the power of Web 2.0, so make sure you do it the right way from the beginning. Draw a huge friend list with a personable profile, and begin to market ever so softly to your new friends.

About the Author:

Use social media to easily get an extra 15-20 fresh buyers and sellers / month with simple Real Estate Marketing strategies. Make $30,000 + / month and create multiple sources of income with this ultimate social media / SEO video training series. Visit http://RealEstateCrusher.com now.