credit report help!!DISCOVER CARD TROUBLE...FROM 2007...sent to circuit court nyc

[mrgomoshk]

My score is 625 and i have a discover card situation from 2007 for $2800 I was charged thisby a rental company and it was unautorized iwanted to dispute but wasnt able to in 2007 due personal issues. How can i remove this from my report it is said to be in circuit court and i tried to dispute with transunion and its already under investigation from march 14, 2017 and still not completed. what is the best course of action to remove this derogatory negative issue off my credit for good????? any advice PLEASE!!!!!!!!!!!!!!!

[Guest usctrojanalum]

what court are you in? no such thing as a circuit court in NYC.

The fact that you did not dispute this in 2007 might be difficult to overcome.

[Clydesmom]

10 hours ago, mrgomoshk said:

i have a discover card situation from 2007 for $2800 I was charged thisby a rental company and it was unautorized iwanted to dispute but wasnt able to in 2007 due personal issues.

You only have 60 days to dispute an inaccurate charge before it becomes accepted as accurate by the credit card company.

10 hours ago, mrgomoshk said:

How can i remove this from my report it is said to be in circuit court and i tried to dispute with transunion and its already under investigation from march 14, 2017 and still not completed.

Have you been sued or is there a judgment reporting?  There is a big difference?  

10 hours ago, mrgomoshk said:

what is the best course of action to remove this derogatory negative issue off my credit for good?

Depends on what is actually reporting.  If you were sued and properly served but never defended the suit then the judgment is accurate and you cannot remove it simply because it is a negative and damaging your credit.  Unfortunately there is no magic method for removing valid accurate negative trade lines.  

We need more details to better assist you.

[mrgomoshk]

well i just got a letter from the masrshall saying they are gonna garnish my wages but its totally a fraudlent charge i didnt know about what do i do?

[Clydesmom]

6 hours ago, mrgomoshk said:

well i just got a letter from the masrshall saying they are gonna garnish my wages but its totally a fraudlent charge i didnt know about what do i do?

It is SEVEN years too late to do anything about the fraudulent charge.  I know you said you had personal issues but that isn't going to sway the courts and doesn't change the law.

Were you served with the lawsuit?  You need to find out EVERYTHING about who sued you.  In NY sewer service is a problem.  There is a SLIM chance that you were not properly served and might be able to get this judgment set aside which would stop the garnishment.  You need to move quickly.

 

[Guest usctrojanalum]

go down to court house and get an order to show cause. if you live in one of 5 bouroughs of NYC - check out CLARO.  I think every county has one.  Just google "Kings CLARO, Bronx CLARO" etc depending on where you live and they can help you fill out paper work and coach. I am a law student volunteer at Westchester CLARO.  Volunteer attorneys and law students provide free limited scope advice to people facing consumer debt cases.