sparky256DSL Posted October 16, 2008 Report Share Posted October 16, 2008 I was turned down in March for a Target Red Card. The rep on the phone said it was because I didn't have a home phone(land line, I use my cell). I, of course, received my rejection letter and found that it said the decision was based in part by information contained in my LexisNexis report.I ordered my free copy of the report and it does state a judgement that was entered against me in 2005. I have created threads about this illegal judgement before but the long and short is I was improperly served and then was too late to reverse the decision(60 days in Iowa). I know alot of people say you can not get a judgement off your credit but I have seen some that say you can. Lexington Law claims to be able to and so did a NACA lawyer (for a fee and no guarantee).I have read that the CRAs get their public record information from LexisNexis and I would like to try and attack them first. If I can get LN to remove the judgement (which they have listed twice for the same one) then the CRAs should follow suit. Has anyone ever dealt with them directly before and/or had any luck getting them to remove things? Any advice I should have before going through with this? Or words of wisdom to help in my crusade?Thanks Link to comment Share on other sites More sharing options...
swirlgirl Posted October 16, 2008 Report Share Posted October 16, 2008 LN will do an investigation if your request it. However, they will require you to provide proof of any claims you are making. Since the judgment is a public record, you will need to send something that completely refutes the record. They also will want you to send to them a notorized statement saying that everything you claim is the truth. Link to comment Share on other sites More sharing options...
sparky256DSL Posted October 16, 2008 Author Report Share Posted October 16, 2008 Since they are classified as a CRA, won't they be required to do an investigation where information is sent or not? I know they can say friv. but would they run the chance of not investigating if no information is sent? I need to formulate my plan or attack before going at them.Thanks Link to comment Share on other sites More sharing options...
swirlgirl Posted October 16, 2008 Report Share Posted October 16, 2008 I asked for an investigation a while ago and they agreed to investigate. However, you have to understand, they use court records. It's basically your word against the court's. That's why they ask the debtor to provide proof of their counterclaim.Also, don't expect them to do more than they have to. In your case, there is a judgment entered against you. That is all they have to report. They are not required to dig any further than that. Link to comment Share on other sites More sharing options...
sparky256DSL Posted October 17, 2008 Author Report Share Posted October 17, 2008 Any chance that anyone would know for sure the LN is the place that provides the CRAs with their PR info? Link to comment Share on other sites More sharing options...
Ahntara Posted October 18, 2008 Report Share Posted October 18, 2008 It's one of their sources.Many countiy governments allow online access to their PR's. If you actually have a judgment, it's easy enough to verify. I used to make calls all day... Link to comment Share on other sites More sharing options...
sparky256DSL Posted October 18, 2008 Author Report Share Posted October 18, 2008 Having a judement and linking it to me are two different things, I think. The judgement was placed at an old address, which is now removed from my CRs. And they do not have my SSN in the files. Just first and last name and there is someone around here that has the same name. I was like to see what their response is going to be.Thanks Link to comment Share on other sites More sharing options...
sparky256DSL Posted October 18, 2008 Author Report Share Posted October 18, 2008 Oh and my Wife has an old judgement that doesn't show up. I think it is because of these factors (Address and SSN are not present or not on her reports). Just trying to find the loophole. It sucks that I have to suffer over 9 years later because of a mistake I made when I was 18. And it will continue to report until 2012 because they waited 4 years before going after the judgement (JDB). Link to comment Share on other sites More sharing options...
Recommended Posts