A civil judgment tells the story that your creditor has taken you in the court for recovering the debts which he could not collect from you after several attempts. Now, creditor would obtain judgment against the debts which you owe them. Civil judgment is the worst thing one can ever imagine to face. Try your level best to avoid civil judgment as it could shape itself into awful. It is very difficult to get rid of a judgment as it could come after you for up to twenty years. And creditor could renew it one more time after twenty years.
Your credit score would be affected to a greater extent when you are carrying a civil judgment on your credit report. Many people do not pay careful attention to judgments and later they would be caught up into miserable conditions. Your creditor might file the information about your assets to obtain orders of judge to sell them for recovering his debts.
If you are capable to arrange money to pay against the judgment then the best way is to talk to your creditor in removal of the judgment collection entry. It is not easy to bring creditor on this point but with your friendly tone and paying the whole amount at once could push them towards it. If creditor becomes agreed then go for a written contract to keep you at secure side. This process is known as pay for delete.
If you come to know that judgment entry on your credit report is not correct or illegitimate then you could dispute is straightaway by sending a dispute letter to credit bureaus. Credit bureaus would start investigation and if they find your dispute legitimate and true then they would wipe out the wrong judgment entry from your credit report. This would be of great help in improving your credit score.
Never overlook judgment as it could follow you for years after years and causing your credit score to come at lowest levels which would restrict you to apply for any further funds or loans in future.