So I have an old judgement on my CR. It has expired with the courts, was not renewed so is no longer enforceable. It is scheduled to drop off of my CR in December. This old judgement is pretty much the only deliquency that I have on my credit at this point so I'm wondering how much I can expect my score to increase. I did some Googling and found estimates of anywhere from 50-150 points. I'm ideally looking for personal experiences with judgements but any expert opinions on what I can expect are welcome as well.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.