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A judgment is essentially a court order that acknowledges that you own a debt and it gives the creditor the right to seize certain assets in repayment of that debt. Not all assets can be seized and the judgment might even specify what assets can be seized. The best way to deal with a judgment is to avoid one at all costs.

Piggybacking is a method of credit score improvement that has been used for many years but has recently come under fire by lenders and FICO. Today, piggybacking is still an effective method of credit repair, although it is harder to abuse than it was in the past.

There are many advantages to a high credit score that can make life hassle free, but for those who don’t have a great credit, fixing is really not a problem. It usually isn’t until someone desperately needs a loan or is having trouble finding an apartment that they realize just how important it is to maintain a high credit score. And who would have known that silly late fee at the library had such an affect on your rating?