Gustopho

Judgements removed

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I recently received my credit report about two months ago for a job that the job that I'm trying to obtain does a full credit search and devaluation along with an FBI criminal search and full background history. I pulled my credit 2 months ago and seen that I had five seven and eight judgments on the 3 credit bureaus. I was able to successfully remove each and every judgement over the last six weeks and I received my final credit reports from all 3 bureaus today and they are all deleted. My question is with deleting these amounts of judgments what can I expect my score to increase by? Even just a educated guess or a ballpark figure would be greatly helpful and appreciated.

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How are old were the judgments?   If they were really old, I would guess not much.   I have seen scores near 680-690 for individuals who had been a bankruptcy dismissed just a year prior (Ch. 13) that was only pending for 2 years.

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Using Experian, as they were the agency that housed ALL 8. The 3 most recent totaling 31k, was this past May 2016. The 3 state tax liens totaling 11k were entered April 2015 and the other 2 totaling only 2k were from late 2011. My scores at the last pull, August 2016, were 585 563 & 524. Like I said, I just got them all completely deleted from all 3 bureaus in the last 3 weeks so my reports don't update until the 15th and I'm just really excited to see how they have increased. I subscribe to a monitoring service, Id3ntityGuard, ( I'm not an employee or affiliate) just staying the name so everyone knows where I'm getting the reports and scores from. Thanks again for any guesses or thoughts as to the increase. I know having then removed does not remove my obligation top pay them, but I need as pristine credit as possible to acquire this job.

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My answer is the same.   If the judgments are old your score will not go up much at all.   If the judgments are newer, your score will go up a bit more than if they were older.   As for specific points, no one can tell you that because there are too many factors involved in FICO's determination of your score.    All I can say is if those judgments were a few years old, your score probably is not going up much at all.

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11 hours ago, Mrs.Hatcher said:

What were the steps you took to have the judgments removed? I actually paid my judgments and I have not been able to get them removed! Please help me!! Thanks!! 

Judgments are really hard to get off your credit report because it is the easiest thing to verify other than bankruptcy filings.   The clerk gets the dispute card, pulls the record, sees the judgment, and it is verified.   I am not exactly sure how judgments are reported but if if I had to guess, the big 3 CRAs have independent contractors that go through suit records and look for judgments.

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1 hour ago, neweuquol said:

I am not exactly sure how judgments are reported but if if I had to guess, the big 3 CRAs have independent contractors that go through suit records and look for judgments.

Much more automated.  They have computer program search bots that comb the public online records and match case(s) to consumers in their data base.   

 

13 hours ago, Mrs.Hatcher said:

I actually paid my judgments and I have not been able to get them removed!

Unless the creditor vacates them they are going to stay to the end of the reporting period.  Sorry there is no magic method to remove them.  They are valid paid judgments and can be reported as such.  The good news is that over time they will no longer be damaging your credit.

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I am 6 days from getting my Chapter 13 discharged. We had a second mortgage that was included in the plan, it was never filed by CitiFinancial but; Portfolio Recovery Associates purchased it. In March 2016, I received a letter stating that the 2nd Mortgage was forgiven and given a 1099C for the Secured part of this debt and the lien was removed from my home Title and Deed, PRA got paid 100%. Since I was insolvent at the time, I did not have to report the Secured 1099C.

Jump forward a year April 2017, my Chapter 13 case was closed and awaiting final cure from Wells Fargo for arrears and to confirm that I made all payments as required by the trustee. I decided to use my VA Home Benefit to make a new home purchase and sell the home I am in. Stopping by at the County Title and Deeds office, I was stunned to see the Lien Release paperwork, but the second mortgage and judgment still were enforced.

I was denied the loan for the home. Navy Federal Credit Union denied my loan along with 2 other lenders because of the judgment that is still hanging on like a friggin zombie! Isn't there a law that allows a debtor who has satisfied the debt and had the lien lifted from their property but the judgment was left to sue the creditor for damages? If so, is there an attorney who wants to join me in making an example and some money?

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