Sobe420 Posted October 16, 2007 Report Share Posted October 16, 2007 Ok, I was reading somewhere that there was three ways to have a judgement removed. 1. Dispute with CRA 2. Request a hearing 3. POFD. Disputing would be the best way? The courts are so backed up with cases would they really respond to the CRAs withing 30 days? Link to comment Share on other sites More sharing options...
nascar Posted October 16, 2007 Report Share Posted October 16, 2007 Ok, I was reading somewhere that there was three ways to have a judgement removed. 1. Dispute with CRA 2. Request a hearing 3. POFD.Disputing would be the best way? The courts are so backed up with cases would they really respond to the CRAs withing 30 days?The court is not a party to the FCRA dispute process. The CRA subcontracts with a private company who does records research and reports their findings back to the CRA. Often, the private research company returns incorrect information back to the CRA and incorrect public records get updated. Link to comment Share on other sites More sharing options...
Sobe420 Posted October 16, 2007 Author Report Share Posted October 16, 2007 Ok not to sound dumb, so from what you are saying the third party might come back with incorrect info meaning a possible delete? Link to comment Share on other sites More sharing options...
nascar Posted October 16, 2007 Report Share Posted October 16, 2007 the third party might come back with incorrect info meaning a possible delete?No, it usually stays the same. Link to comment Share on other sites More sharing options...
torikid Posted October 17, 2007 Report Share Posted October 17, 2007 To answer the question whether to dispute it... it sometimes work if you get the address that the judgment is filed against off your credit first. Then it is hard to verify. Link to comment Share on other sites More sharing options...
kp11478 Posted October 17, 2007 Report Share Posted October 17, 2007 I have a similar question. My husband had a judgement in Jan 2002 for two accts with a credit union. The judgement was paid in full (satisfied) in Jan 2006. It is not listed anywhere except on TU. They have it listed as a satisfied judgement, but also have both accts listed as charge offs. Exp and EQ both have no record of the judgment and both have "Paid as agreed" on the two accts. What gives? Link to comment Share on other sites More sharing options...
sgip2000 Posted October 17, 2007 Report Share Posted October 17, 2007 I have a similar question. My husband had a judgement in Jan 2002 for two accts with a credit union. The judgement was paid in full (satisfied) in Jan 2006. It is not listed anywhere except on TU. They have it listed as a satisfied judgement, but also have both accts listed as charge offs. Exp and EQ both have no record of the judgment and both have "Paid as agreed" on the two accts. What gives?It is Experian's policy to not list paid judgments. You can try to dispute it with TU as "vacated". Link to comment Share on other sites More sharing options...
ribbit1072 Posted October 17, 2007 Report Share Posted October 17, 2007 It is Experian's policy to not list paid judgments. You can try to dispute it with TU as "vacated".How is it Experian's policy to not list paid judgements? I have one, disputed it and it's still there. Link to comment Share on other sites More sharing options...
sgip2000 Posted October 17, 2007 Report Share Posted October 17, 2007 How is it Experian's policy to not list paid judgements? I have one, disputed it and it's still there.That's what they said on the results of my last dispute. I'll try to find the paper. I got 2 removed. Link to comment Share on other sites More sharing options...
lavs412 Posted October 17, 2007 Report Share Posted October 17, 2007 I'd be interested in the Experian Policy, as well....I have a paid judgement filed in 2002 listed with EX and TU, disputed with both and it has remained on both CRA......... Link to comment Share on other sites More sharing options...
sgip2000 Posted October 17, 2007 Report Share Posted October 17, 2007 Yeah, I thought it was odd. I disputed the 2 I had as "paid/satisfied" and they sent me a letter saying that their policy was to not report paid judgments and that they were deleted. They were indeed deleted. I'll see if I still have the letter that came with the updated report. Link to comment Share on other sites More sharing options...
texastea Posted October 18, 2007 Report Share Posted October 18, 2007 My husband has a civil judgement listed under the Public Records section of his TU report and we had been wondering why this was showing up when he paid it in full back in 2003. All it shows is amount but doesn't give a status as to "unpaid", "Paid", etc. Does the fact that it's on his credit report at all hurt him? Link to comment Share on other sites More sharing options...
snowdrift456 Posted October 18, 2007 Report Share Posted October 18, 2007 It is Experian's policy to not list paid judgments. You can try to dispute it with TU as "vacated".I am showing 2 judments from Experian even though they are paid. Link to comment Share on other sites More sharing options...
snowdrift456 Posted October 18, 2007 Report Share Posted October 18, 2007 Do you have information on this letter showing the policy?Thanks Link to comment Share on other sites More sharing options...
sgip2000 Posted October 18, 2007 Report Share Posted October 18, 2007 Do you have information on this letter showing the policy?ThanksHaven't found it yet. It was from last year. Still looking though. Link to comment Share on other sites More sharing options...
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