You'll need to file a motion to vacate the default and prove 1) a reasonable excuse for the default and 2) a meritorious defense in the underlying action.
It is always advisable to contact an attorney. For a consultation, please contact our office at 516-669-3295. We are located in West Babylon, NY and proudly offer very low rates and free consultations. For more information, please see our website: <a href="http://www.LouisLSternbergLaw.com">Long Island Divorce Lawyer Louis Sternberg.</a>
Besides moving to vacate the judgment you can object to the credit report listing if it is not accurate.
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I agree with the prior commentators, first try to get this item off your credit report by disputing it with the credit reporting agencies.
After you begin disputing the claim, contact an attorney in NY to represent you getting the lawsuit vacated. If you were not served with papers when the suit was filed, it is very likely that you will be able to get the default judgment overturned, but that is a much more time consuming and costly process than disputing the item on your credit report.
The attorney you contact will be better able to explain the pros and cons of getting a default judgment over turned.