I had a default judgment against me back in 2012 and recently I received a summons for the judgment (it was still within statute of limitations). I was willing to settle it. It was nowhere to be found on my credit report until recently when it appeared on my report again because I settled with the debt collector. It affected my report and lowered my scores. 'Cyberdon AT techie DOT com' , a private credit specialist I found on Craigslist helped me take care of the situation and improved my scores.
3 years ago
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