improvingcredit? Posted April 30, 2007 Report Share Posted April 30, 2007 Hello! I am a virgin (newbie) here, so please take it easy on me. I am close to paying off all my debts, but my credit is trashed. SO, I'm starting to clean up my CR. The question is: I had a loan through Credit Union Plus. I didn't pay it. They took me to court and got a judgement against me. I have been paying on it ever since. Credit Union Plus reported on my CR that it was charged off as bad debt. However, C-E Office Service was assigned to collect the debt-that is who I'm paying now. I missed a few payments early on (1 1/2 years ago) so they, of course, put negative marks on my CR also. So, I have the judgement, the negative from the OC and now the negative from the CA on my report. Are they allowed to do that? What can I do about it?Thanks for your help and patience. The info I've gotten on other threads has been immensely helpful. You guys rock! Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted April 30, 2007 Report Share Posted April 30, 2007 So, I have the judgement, the negative from the OC and now the negative from the CA on my report. Are they allowed to do that? What can I do about it?Yes, they can do that. What can you do? Pay the judgment, then dispute the listings later on hoping they will delete. Link to comment Share on other sites More sharing options...
improvingcredit? Posted April 30, 2007 Author Report Share Posted April 30, 2007 Thank you for your response. At least now I know what I can and can't do. Thanks again! Link to comment Share on other sites More sharing options...
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