Things to Know About Judgments on Your Credit Report

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how to dispute judgment

One of the worst blows to your credit scores is receiving a judgment. Once you see a judgment in the content of your credit report, you might want to rub your eyes to make sure. But what exactly is a judgment? Without further ado, let us look into some of the most important things to know when it comes to finding a judgment on your credit report.

What is a judgment?

Basically, a judgment is a ruling of the court for a lawsuit. And in many cases, judgments are a result of unpaid or unsatisfied financial obligations or debts. Simply put, if a judgment reflects on your credit report, it means that you had a lawsuit in your hands; you have been sued in civil court with debt as a reason and unfortunately, you lost the battle.

Things to Know

  • There are 3 types of judgments.

The three types of judgments that can be applied to you are the following:

  1. Unsatisfied – This is, perhaps, the most damaging type of judgment. Basically, it means that you have not paid or satisfied your debt. If this type of judgment is not settled, it will reflect on your credit report for exactly 7 years. On another note, your creditor can also forcibly collect from you.
  1. Satisfied – A satisfied judgment means your debt issues have been paid or settled. The main two ways to satisfy a judgment is by paying it in full amount or by reaching a settlement or negotiation between you and the creditor.
  1. Vacated – If a judgment is vacated, it should no longer appear on your credit report.This dismissal can be achieved by an appeal. If the judgment still reflects on your credit report, you can dispute as incorrect reporting.
  1. Re-filed – Unfortunately, judgments may be renewed. Usually, they will stay on your credit report for 7 years but when renewed, it will reappear again and again on your report for another set of 7 years. Obviously, this will keep happening if you keep your judgment is unsatisfied.

steps in disputing judgment

  • Judgments negatively impact your credit scores.

Judgments may greatly affect your credit report. With this on your plate, your credit score will flunk lower and lower. Understandably, creditors will be reluctant to lend or loan you money because your trustworthiness is tarnished. Indeed, a judgment has one of the most crucial and damaging effects on a credit report since having low credit scores will definitely affect even your eligibility for apartment rentals, mortgage, credit, and other loans.

  • Judgments may stay on your credit report for 7 years.

Regardless if it’s satisfied or unsatisfied, judgments usually stay on your credit report for 7 years.

However, if you are able to dispute judgments, you can have them removed from your credit reports as soon as possible. Of course, this will entail professional help.

  • Judgments can be vacated.

Through an appeal, a filed judgment can possibly vacated. And if the judgment is vacated, the judgments are actually deleted from the credit report. However, this is only applicable if you do win the appeal. When the judgment has been vacated, it’s important for you make sure that the status of your judgment is updated. No signs of judgment should reflect on your credit report. If you want to know more, you might want to learn how to remove judgment here.

3 Ways To Create Better Content Your Customers Will Love

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Content comes in different topics and form. Nowadays, attention spans are at an all-time low. While creating content, you should strive to create short, compelling, and useful information that will add value to your customers and keep them engaged.

Here are a few pointers to creating engaging content for your clients.

1. Make the content conversational

It is evident that most people visit sites to ask questions about products and services and get support. If you take a keen interest in your business, you should know the most frequently asked questions. Also, you should be aware of what information your customers need before they can commit to purchasing. Use this information to create content that enlightens customers on areas of your business where they lack the necessary knowledge.

Besides, ensure that you respond to all their questions promptly. By so doing you will be able to impress your customers with your level of understanding of their needs. You need to be actively involved in everything that surrounds your business so as to improve your online conversion rate.

2. Add Visuals

Numerous studies and researches show that visual content – videos, photos or infographics – are a sure way of making your customers look forward to your content. The human brain loves images. Whatever visual content you use, be it a video, a photo or an infographic, it will make you stand out from your competitors. Visual content makes a lasting impression on your audience as well as drives customer and social media engagement. It is easier for your clients to share visual content that is valuable, relevant, meaningful, and to top it all entertaining.

According to Forbes Insight study, adding visuals to your content will drive more people to take action. Ensure that the pictures and videos are of high quality and professionally done if you decide to use visuals as part of your content.

3. Create original content

Most times, people find themselves rehashing other people’s content repeatedly. This can negatively influence how you engage with your customers since people get tired of reading the same content on the internet. You should strive to create content that has never been written before. Original content gives customers more confidence and trust in your product since it is a clear indication that you know your product. Also, make sure the content is from a reliable source. Keep your customers updated by reporting on current trends. Your customers want to be knowledgeable of what is new in your industry. You should strive to create content that reacts to events as they happen. By so doing, your content will be interesting, captivating and may attract new customers.

Creating original content will not only engage your current customers, but will also increase your search rankings hence generating more traffic to your business and improving your overall online conversion rate.

Above all else, your content should be interesting, informative, and awe-inspiring.Good content involves the right plan and proper research. Good content is a marketing strategy that you and your company are sure to benefit from, by gaining and retaining customers.