How To Remove Garnishments From Your Credit Reports

What is a Garnishment?

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.

Lexington Law is one of the most renowned credit repair firms in the United States 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.


My Credit Repair Tips