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Hi, I may have just found a loophole in my pr section. A paid judgement with a first name that is similar to mine but is not my name. Problem is it is a joint with my husband. Now I am trying to figure out the correct way to go about this. It's been disputed before but not with the name issue. Any suggestions on how to work this out? I talked to the special department at equifax and they were puzzled but disputed it anyway..

Hi. I am new and have been lurking and ready for about a month. I finally decided to pull my reports and post here. I have been in a battered women's shelter for 5 months. I now have my own apartment a great job starting at $13.94 an hour with a trucking company as a dispatcher and an opportunity for tons of overtime this holidau season. Here is my situation. I was with my crazy ex for 12 years. He handled all fiances. I pulled my trans report and score faco was 589 and $16k in collections. Lots of medical 3-5 years old and some of his credit cards where I was on them that are 5 years old. I pulled experion and score was 507. Total was $25k in collections owed. Again medical and credit cards joint with him and some cell phone and cable collections as well. I could not get equifax to pull. Said I had an account and I would need to call. I need to have my top teeth extracted and dentures VERY soon from where he broke a lot of my teeth and I am in severe pain. I also need a car as I am borrowing on that I have to give back next month. So I have decided the best thing is to file bankruptcy and start over. I am a frugal person and use to have great credit until I let a true sociopath take over and ruin it all. There is no way I cN catch up and I don't know how to afford the $2k needed for extractions and a denture on top at the moment but I am working as much as I ca to try and get there. Here are some questions: 1) what does it cost to file chapter 7? 2) do you think with my situation that would be my best bet? 3) if I file ch 7 how long before I could start to rebuild credit? 4) any suggestions on getting a car? Would a big here lay here for a cheap car work for starters? I can't afford to just pay a couple grand for a car. I would need a loan of some sorts and yes I know I would have a high rate but I have to start somewhere. I am rock bottom and just getting out of a shelter and Into an apartment and now Paying $850 a month rent is grocery plus light bill kid taking care of two kids us gas in the car I am borrowing takes all I have. This why they are letting me work overtime. I am suppose to get $1150 a month child support but dad is in jail awhile so that doesn't get received. I am just looking for advice on how to start and get my life back on track. My BIG issues is I need a car and i need my teeth fixed within next month or two MAX. Thank you for any suggestions or kind words. We do not qualify for food stamps or state assistance so I think I am doing damn good with what I have right now. Again thank you!!

Okay I had a large judgement (Filed 8-2-2007) that was due to roll off my reports this month and after checking my reports weekly, it's finally fell out of all three. The amount was listed at $14K and was my biggest derog. BTW - the original junk debt firm was bought out by another firm last year and I've been getting quarterly notices to pay/settle the account. The last notice had the balance at $23K with interest. BTW the original CO was for Providian and amount was 2K. Earlier in the year I had contacted a lawyer who deals in credit issues and BK in Texas reviewed the court papers and my credit files. I was ready to negotiate out of this mess but he said why if it's going to roll off in July? I agreed and decided to wait it out. Questions: Anyone else have a judgment roll off? Did the scoundrels renew it and have it placed back on file? Am I at risk of a future appearance? Please share and give feedback if you can.

NEVERMIND LOL

I was able to successfully remove all 3 of the judgements off of TU. One of the Judgements is not mine so i knew that one would come off. EX shows two and EQ still shows 3. I am currently disputing these items with EQ and EX. Is there a way to successfully rebuild my credit with judgements listed. They are scheduled to remain until at least 2016. CC's I have CAP 1 - $500 limit- Just applied and approved last week, should i ask for CLI with a TU score of 645? CAP 1 Secured card $750 limit Macy's - AUTH USER $1200 Denied credit by Barclays and GECRB

My friend has not made a payment in about 5 years to the bank. The house is worth a lot more then what is owed so I guess that is why the bank hasn't been too agressive about throwing him out. In Suffolk county NY you can do an online search to see if you have judements or liens on your home or yourself. He has a lot of judgements against him. They range from $20.00 all the way to $15,000.00 Even with the judements the house is still worth a lot more then what is owed. At this point in time their are NO liens on his property. His first question.... If there is a judgement filed what happens when he tries to sell the house? Do the judgements have to be paid before or at closing or does this have no effect on the sale? One of the judgements is for over $10k, why wouldn't the credit card company put a lien on his home in order to try and get their money back. They already have a judement against him. I'm sure that at one point the bank looked at his house from the ouutside and saw that it was in great condition so there are no issues. His house is one of the best on the block. Billy