Guide To Disputing/Removing Judgments

[Trish]

Originally Posted by werkit

The address is listed on my CR but I have not lived there in over two years. My current address is listed on my CRs but I was not ever served papers at this address.

I would try disputing that addy off first. It will make your chances better.

[danimaltex]

Trish - My CR's show a "Docket Number". Is that the same as recorded judgement or CASE-FILE?

[Trish]

Originally Posted by danimaltex

Trish - My CR's show a "Docket Number". Is that the same as recorded judgement or CASE-FILE?

Yes, that should be the same as your case file. It's the number that the courts will use to identify your case.

[danimaltex]

So based on this, should it be easier to use your guidelines to despute and ultimately remove?

[Trish]

Originally Posted by danimaltex

So based on this, should it be easier to use your guidelines to despute and ultimately remove?

Not sure what you mean by easier..... but you could still try the dispute letter.. it worked for me. My CRs also listed a docket number and I was able to get them off.

[sumeira]

I disputed an almost 7 yr old judgement with Equifax and they verified it. Others on the credit repair forum have recommended i re-dispute it. I just read your message on how to proceed after Credit bureau verfies a judgment.
I was wondering if it would be ok to re-dispute it (i've already waited a month since i recieved their "verified" letter) and ask in the same letter to provide a description of the procedures used to determine the accuracy and completeness of the disputed information....as you mention above

any advice is much appreciated
s

[pinkdervish]

Trish and All,

I'm new to this forum and from what I've read, there is SO much information on credit repair. It almost makes my head spin, but in a good way.

I'm here in search of help to remove a satisfied judgment from 2007 on my credit reports. Currently, I have two accounts in good standing on my report with no items in collection, and no negative items. However, the satisfied judgment makes rebuilding my credit very difficult.

I've not taken any action on my own yet to try and clear this from my credit reports, as I don't feel confident that I have enough information in order to take matters into my own hands.

Even though I have carefully read through most of the forums, I'm still unsure about the exact letter to send to the credit bureaus and/or law office in order to clear the satisfied judgment from my credit reports. My wages were garnished and this thing was paid and I'd like to have it removed if possible.

Any helpful information about the right way(s) to have a satisfied judgment removed, such as sample letters, amount of time to pass before writing again, specific contact addresses, personal stories and outcomes, etc.

I'm very new to all of this and want to do things right.

Also, I have a TON of old addresses and places of employment on my credit reports. Why is this on there? Is there a reason it needs to be there?

Any and all advice is greatly appreciated.

I'm glad this forum is here

[chane]

Welcome to the forum!

You should first try to remove all of the old addresses from your account as explained here:

Basic Step by Step Beginner's Guide to Credit Repair

(This is the best place to start.)

Basically, just follow those steps. There really is no perfect letter. The courts don't verify with the CRAs, so if it comes back verified, you should request method of verification. They can't provide it, because the courts only verify public records in person. Keep at 'em until they remove it.

[pinkdervish]

Thank you chane for your helpful advice.

I've reviewed the page you directed me to through the link provided in your response. After reviewing what Trish had provided, I do feel a little more confident about handling some of the issues with the CRA's, but I'm not sure about where to send letters to and what kind of letters.

This sentence in Trish's post scared me:
Please be aware that disputing any accts that are still within SOL could possibly wake up a sleeping giant and you can be sued. So proceed with caution and make sure you understand what you are doing first.

Could I be sued again on a judgment that has been paid and satisfied?

I'm also wondering if I need to send a verification letter to anyone concerning my satisfied judgment or do I dispute it? I mean, I know I have a satisfied judgment, so is there a need to send a verification letter or dispute? Do I send a letter to all three CRA's, the court and/or the law offices who issued and won the judgment? That part I'm rather confused about.

Is this something I could even dispute since I know that it's legitimate?

Are sending a letter of verification or disputing the judgment the only ways to possiblly remove it from my credit reports before seven years has passed?

From what I've read, not many people have been very successful at having a satisfied judgment removed from their credit reports if it was indeed paid and satisfied.

I just want to make sure I'm sending the right verbage to the recipient(s) of my letter(s), you know?

Even though you mentioned there is no right letter, it still unnerves me that I could type just one wrong word, leave out any handy specifics or crucial documentation, screwing myself in the process.

If you do have a sample letter that I could use, it would be greatly appreciated. As I do not know where to begin when writing a letter to the CRA's and/or law offices, courts, etc.

I have to say, I woke up this morning looking forward to seeing if you had responded to the post I left here in the forum yesterday and am happy to know that you did I l ook forward to reading and submitting more posts as well as learning more information about credit repair here.

Many Thanks, Chane.

[chane]

Originally Posted by pinkdervish

This sentence in Trish's post scared me:
Please be aware that disputing any accts that are still within SOL could possibly wake up a sleeping giant and you can be sued. So proceed with caution and make sure you understand what you are doing first.

Could I be sued again on a judgment that has been paid and satisfied?

No, of course not.

I'm also wondering if I need to send a verification letter to anyone concerning my satisfied judgment or do I dispute it? I mean, I know I have a satisfied judgment, so is there a need to send a verification letter or dispute? Do I send a letter to all three CRA's, the court and/or the law offices who issued and won the judgment? That part I'm rather confused about.

Is this something I could even dispute since I know that it's legitimate?

Are sending a letter of verification or disputing the judgment the only ways to possibly remove it from my credit reports before seven years has passed?

No, you just need to dispute it with the CRAs. Please do not send anything else to anyone.

Yes, the law allows you to dispute anything. However, I always advise people not to lie. It's unnecessary and could come back to bite you.

No, the only way to remove it is by disputing it. Any other letters do not apply to judgments.

As far as letters, there is not one magic letter that works. Two people could use the same letter, one would have success, the other wouldn't.

However, there are letters and things that people do that will almost certainly guarantee that it won't be removed.

All you need to do is tell them you noticed the judgment on your credit report and would like them to verify it or remove it immediately. You have the right to request verification on any item on your credit report. If they can't verify it within 30 days, they must remove it.

If it comes back verified, ask them the method they used to verify it and ask them to send you the document for proof. It is also your right to do that. You can read the FCRA is you want.

They don't have proof, because the courthouse won't verify it unless they come in person. So, they can either remove the item or violate your civil rights. If they choose to violate your rights under the FCRA, you can either sue them, contact your attorney general, do both, or just let it go. You can also keep sending them letters demanding they remove it. It's up to you at that point.