The first question is how did they acquire a default judgment against you? If you were not properly notified of the action by service, the first step is to file a Motion seeking to reopen the action so that you can present evidence with regard to liability for the debt.
The second issue is whether the collector of the debt violated the Fair Debt Collections Practices Act. If the collections agency advised family members, or neighbors that you owed a debt, that may be a violation.
CALL 612-240-8005 for a Consultation. Disclaimer: Nothing in this email message creates an attorney client relationship absent a retainer agreement with this office. Any response to email inquiries should be considered general in nature and should not be relied upon as legal advice. You should always consult a lawyer in your state regarding your specific legal matter. Visit online at http://www.minnesotaLawyers.com
Okay, please stop asking the same question. Once is enough. Twice is plenty, three times...
The answers are not really going to change.
Once that judgment shows up on your credit report, you won't have a 780 anymore. Deal with the judgment, then dispute it on your credit report.