To immediately remove any negative judgements from all 3 credit bureaus, when a debt has been paid in full.

*IMMEDIATELY REMOVE NEGATIVE JUDGEMENTS FROM ALL 3 CREDIT BUREAU REPORTING AGENCIES.
ONCE THE JUDGEMENT HAS BEEN SATISFIED AND PAID IN FULL, THE CREDITOR SHOULD IMMEDIATELY NOTIFY THE 3 CREDIT BUREAU REPORTING AGENCIES AND HAVE THE AGENCIES IMMEDIATELY REMOVE THE NEGATIVE JUDGEMENT. FOLLOWING WITH A SIGNED LETTER VERIFYING "ALL DEBT HAS BEEN SATISFIED IN FULL AND ALL AGENCIES NOTIFIED TO REMOVE THE JUDGEMENT TO THE CONSUMER. IT IS NOT FAIR TO KEEP THE DEBT ON FILE FOR 7 YEARS AS A FORM OF PUNISHMENT.
* ALSO ALL FICO SCORES SHOULD START OFF AT 820 AND NOT WORK YOUR WAY UP TO 820. WE SHOULD HAVE A SET SYSTEM IN WHICH WE ALL KNOW WHERE WE STARTED FROM.