Repairing you credit can be a simple thing to do, most of the time. Then again it may take some real courage and persistence. When you are fixing your credit, you must be aware of some of the tricks that these lowlife collection agencies can pull.
Often times collection agencies will get a judgment put against you illegally. How you ask? Sometime the will go down to your local court house and have a summons sent to you. The fraud comes into play when you have never received a court summons. Then next thing you know you have a judgment against you.
I suggest you visit you local court house or their website to find out if anyone has a judgment on you. If so, you can request a retrial. You can appeal the judgment.
Once you see you see that you have a judgment, but you say to yourself that you never received a summons , then you have ground to get an appeal.
These agencies will send the summons to the wrong address on purpose, so that you can't show up for court. What scum bags!
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