dmu

You can try something like that. It took me about 5 attempts to get it off EQ, however. The other 2 actually removed it on their own. As important as it is to remove it from your reports, is there a chance that a lender would see the actual judgment when qualifying you for a mortgage? That may need to be looked at as well, but I don't know. Thanks, I will give that a shot.

Yes, I am still on the Deed. LOL, I would prefer if she had just put in her will that I get the house so that this did not happen with my credit score. I was planning on buying my own house next year and this drop in my score is going to mess me up if I can't get it resolved. I hope someone can provide a solution. Thanks

My mom put me on the title of her house in case something happened to her. She did this without my knowledge. She was taken to court by her Home Owners Association in 2004 and had a judgement placed against her. They garnished her wages and it was paid in 2005. Since my name was also on the title the judgement was placed against both of us and was on both our credit reports. She had another issue with them in 2007 and asked their lawyer (as part of the negotiations for her making payment) if they could remove the judgement from 2004 from my credit report and they did so. This year she was looking at her credit reports and saw that the 2004 judgement was never listed as satisfied so she contacted them to see if they could change the status. The lawyer entered the judgement as satisfied with the court and the judgement has now shown up on my credit report again. It has dropped my FICO score from 793 to 703. I need some advice on what I can do to get this removed. The HOA lawyer said they won't do anything. Can I file with the District Court to have the judgement vacated against me since it was not my debt? Thanks for any advice you can provide. We are in Maryland if that makes any difference.