How To Remove Garnishments From Your Credit Reports

A garnishment occurs when you have an unpaid debt that should have been paid.  Money is collected from you wages and applied to the unpaid debt without the person’s approval.  Garnishments can be declared by a judge or sent directly from IRS.  Normally, garnishments are used as a last resort scare ploy to retrieve the money owed by the individual.

There is a cap on the amount of money a creditor can collect, which is 25% of the person’s paycheck after taxes.  The judgment filed against you that sparked the garnishment of your wages will remain on your credit report for up to 7 years.

How a Garnishment affects your credit

To put it plainly, having a garnishment listing on your credit reports can be very damaging to your credit score. If you are currently in the process of paying back the debt you owe via the garnishing of your wages, then you will not be able to try and remove the garnishment listing on your credit report.  If you have since paid your debt back and no longer are having your wages garnished you can get the garnishment listing removed.

Removing a Garnishment listing from your credit

Trying to remove the garnishment listing yourself requires a lot of tolerance and patience because the credit agencies are not going to be sympathetic about your negative credit account.  The dispute process is tedious, but it can result in you successfully removing the item in question.  Garnishments are tricky because they are court ruled and therefore are valid so they can not be subject to any type of validation letter.

But don’t fret, it is likely that you still have some wiggle room to form a decent case.  The fact that the credit bureaus spend tons of time and money on investigating cases can also help your situation rule in your favor.  The key is finding little dots and connecting them together to form a case that has grounds.

If you can accomplish this then you will have a good shot at getting the credit deleted.  You can also try to call the bureau’s and try to get the garnishment released, however this method normally requires you to know how the laws can work for you.

A swifter approach to erasing the garnishment

Luckily, there is another feasible option to remove the garnishment account off your report.  Millions of individuals in these types of situations employ a credit repair service to help get the negative credit listing that is damaging their credit score’s removed.

Urgent Credit repair is one of the best credit repair firms in Texas and have helped millions of clients remove negative credit listings from their credit reports and have improved millions of credit scores.  If you would like to speak with a professional paralegal today, simply fill in the form below for a free, no obligation credit consultation.

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How Do I get Garnishment’s took off my credit report?
Anything accurate on your report (positive or negative) will remain on your credit report for 7 years (bankruptcy is 10 years). If the garnishment is valid, it will stay on your report. Nothing you can do. This should not be considered legal advice, but rather simple information. You should consult a lawyer to review your unique situation.

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Experian does not receive information from the courts on wage garnishments, so the wage garnishment itself will not appear as an item on a credit report. However, if the account that wages are being garnished for appears on your credit report, the creditor may add a notation to the account indicating that payments are assured by wage garnishment.

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Having a lowered credit score due to wage garnishment can prevent you from getting the things you need in the future. For instance, getting an affordable car loan, a new mortgage loan, credit card, or even a business loan can be impossible with a judgment listed on your credit report. If you are approved, the cost of borrowing may be much higher than you anticipated.

How can i get rid of a wage garnishment off my credit report?
when i was in college i had a wage garnishment, now my credit report is suffering from it. in my opinion i think the lawyer took it to the extreme because i was making my payments as promised but he went behind my back and issued a wage garnishment i didn’t know i had one until i looked at my paycheck one day. it caught me off guard.

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Garnishments on Your Credit Report. Garnishments on your credit report can have a very serious impact on your financial status. Garnishment, a creditor’s last-chance attempt at debt collection, hits debt holders where it hurts; their ability to fill the gas tank, pay the bills, and feed their families.

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Garnishment | U.S. Department of Labor
Wage garnishment is a legal procedure in which a person’s earnings are required by court order to be withheld by an employer for the payment of a debt such as child support. Title III of the Consumer Credit Protection Act (CCPA) prohibits an employer from discharging an employee whose earnings have been subject to garnishment for any one debt, regardless of the number of levies made or …

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Typically, with credit card debt, your creditor has to sue you in court and win before a wage garnishment can happen. But in cases that involve government entities, student loans or child support, a wage garnishment can happen without involving the court.

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