I recently checked my credit report, and I saw that I had a default judgment entered against me August 2015 by New Century Financial Services for a Credit One Bank card. I did a little bit of research on the buyer, and learned that a firm called Pressler & Pressler basically acts as their enforcer. I was served twice at addresses at which I no longer resided. The first time I was served was February 2015 in Ocean County, NJ. I haven't lived there since 2012, so the case was then transferred to Atlantic County. Pressler "successfully" served me June 2015 at an address I moved out of 2 months prior. The judgment was entered August 2015, and they sent a wage execution to an employer I haven't worked for in 8 years.
The balance isn't that large ($1033 after the court officer's commission for serving the faulty garnishment), but I REALLY want it off of my credit report. I'm finally in the position of rebuilding my credit, and I'd like to get this garbage off of my report before I start the rebuilding process or put any current information on my report.
I've heard that Pressler's a nightmare to deal with, so I'm only willing to communicate with them from a P.O box that's attached to a relative's address. They don't have my current address, phone number, employer, or bank account information, and I'd like to keep it that way. Should I ask them to vacate the judgment after it's satisfied? Should I just pay it off and leave it on my report? Or should I just wait an eternity until it falls off?
Thanks in advance for your help.