sparky256DSL Posted October 30, 2008 Report Share Posted October 30, 2008 Today when I checked my credit reports the last negative item on my TU was gone. A judgment from 2005. I removed all of my old addresses and incorrect names (even though the judgment has the correct name) and then I filed an online dispute with TU on 10/16. Today the results came back and they deleted the judgment. I know it is harder to re-insert a TL that was removed but what are the rules regarding Judgments? Is this something that will probably end up back on my report? I now have to work on EQ and EX(as if they do anything about disputes).Thanks Link to comment Share on other sites More sharing options...
swirlgirl Posted October 30, 2008 Report Share Posted October 30, 2008 I wouldn't lose any sleep worrying about this. Unless there's some activity on the judgment by the court, I doubt it will come back. Link to comment Share on other sites More sharing options...
sparky256DSL Posted October 30, 2008 Author Report Share Posted October 30, 2008 Thanks I was hoping that was the case (hopefully it is ) Link to comment Share on other sites More sharing options...
Ahntara Posted November 1, 2008 Report Share Posted November 1, 2008 "...I filed an online dispute..."There is much info on the board about online vs. snail mail disputes. You may wish to do some research & reading.A valid Public Record can appear on your CR any time during Reporting Period, per the FCRA 1681c, Subsection 605. The reinsertion provision would apply also, but then, you'd have to prove your case. That's the tickle, apparently, with online disputes... Link to comment Share on other sites More sharing options...
sparky256DSL Posted November 2, 2008 Author Report Share Posted November 2, 2008 "...I filed an online dispute..."There is much info on the board about online vs. snail mail disputes. You may wish to do some research & reading.A valid Public Record can appear on your CR any time during Reporting Period, per the FCRA 1681c, Subsection 605. The reinsertion provision would apply also, but then, you'd have to prove your case. That's the tickle, apparently, with online disputes...I have read and researched and while many go with written only I tend to do both. I had already disputed this PR and had nothing else to dispute so I thought I would try again. Reinsertion would be hard to fight because the judgment is valid (I guess) Link to comment Share on other sites More sharing options...
Recommended Posts