andyb Posted June 29, 2003 Report Share Posted June 29, 2003 My reports are starting to look good especially equifax but i have 4 NYS tax judgements that are ruining my report. There all paid. Anyone have any ideas as to how to get rid of them? I disputed as not mine but they come back verifeid real fast. Link to comment Share on other sites More sharing options...
lisak72 Posted June 29, 2003 Report Share Posted June 29, 2003 How old are these? Also, how many times have you disputed and how? Are these all linked to your updated address? I have seen how some have had the address linked to a judgement removed and they can't update based on that. Just a few thoughts... Link to comment Share on other sites More sharing options...
sisflomi Posted June 29, 2003 Report Share Posted June 29, 2003 What are the dates of the judgements? What does your report say the fall off date is? Does the report show that they are paid?[Edit by sisflomi on [TIME]1056906858[/TIME]] Link to comment Share on other sites More sharing options...
andyb Posted June 29, 2003 Author Report Share Posted June 29, 2003 Two are over 4 yrs and should fall off 4/2004 and 5/2005 but the other 2, one is a year old and the other is about 6 months old. I disputed the oldest as not mine but haven't touched the most recent ones because they don't show paid yet and i'm afraid if i got lucky and got them off, they would come back after there updated as paid. I only disputed the oldest as not mine but they came back verified from all the CRA'S. Link to comment Share on other sites More sharing options...
sisflomi Posted June 29, 2003 Report Share Posted June 29, 2003 Heres what you can try, the ones that you paid off, you can call the court clerk and ask them what you need to do to have the judgement vacated. They should have the forms you need and it might work for you. For the others, its best to just work them with the cra's until you can get them off. Keep disputing them all with cras. I would try once more for now with not mine or wrong amounts or something like that. If they still come back, then wait till the xmas chod and do them again. You could get lucky that way. As for them getting added back on, you have the five day rule behind you that cra's don't seem to ever follow. If they re-insert an item that was deleted, they have to notify you within 5 days that it has been re-inserted. If they don't do that, then they have to removed them forever. Link to comment Share on other sites More sharing options...
andyb Posted June 29, 2003 Author Report Share Posted June 29, 2003 Thanks for the info SIS. Would you know if i would have to appear in court to have the judgement vacated and and on what grounds would i say??? Link to comment Share on other sites More sharing options...
sisflomi Posted June 30, 2003 Report Share Posted June 30, 2003 I am sure you would have to be in court for this. Again, check with clerk about that too. Your grounds would be that it is satisfied. Link to comment Share on other sites More sharing options...
andyb Posted June 30, 2003 Author Report Share Posted June 30, 2003 Do you think they would vacate it on those grounds? Have you heard of this happening?? Link to comment Share on other sites More sharing options...
sisflomi Posted June 30, 2003 Report Share Posted June 30, 2003 I have read about it. I am just not certain that it really works. Thats why I say its worth a try, you never know. Link to comment Share on other sites More sharing options...
andyb Posted June 30, 2003 Author Report Share Posted June 30, 2003 I hope your right but i will look into it. with my luck i'll get a nasty judge and yell for wasting the courts time lol Link to comment Share on other sites More sharing options...
Guest Posted June 30, 2003 Report Share Posted June 30, 2003 In addition to getting the judgments vacated, you may want to request a procedural investigation to find out how the CRA's are verifying. I suspect that the CRA's may be verifying the judgment records with Dolan Information. If Dolan Information has the judgments on your file, I would try disputing with them. http://www.dolaninformation.com/consumers.cfm Link to comment Share on other sites More sharing options...
andyb Posted June 30, 2003 Author Report Share Posted June 30, 2003 Thanks SIS and CD for the helpfull info. I've heard about Dolan. How would i go about disputing it with them? the same as anyother CRA? I would think but maybe i'm wrong (hopefully i'm wrong) that all they would need to verify the judgements would be a copy of the judgement and easily verified. I've also heard that i could vacate if it wasn't served right but in NY i think all they have to do is send regular mail to the last known address, but i'm not 100% sure about that. Link to comment Share on other sites More sharing options...
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