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Found 23 results

  1. My last blemish is an unpaid judgement that isnt set to fall off till 2016(I do want to app for a Mortgage right around then, so I do know I need to pay it) Ive read WHYCHATS page and am currently using that technique for a paid judgement, but I was wondering about the unpaid...is there anyway they do a PFD type deal? I know its a legal issue and that seems highly unlikely. If i just pay it(and it ages) Because scores are all 690-710 and I have rebounded well and am building higher Limits with Prime cards. I want to be able to qualify for a mortgage in the next 18-24 months. Hav
  2. I had two paid Judgements showing balances on my credit reports, I disputed the items to all three CRAs and I received my first notification from Trans today. One deleted and the other verified and shows a balance due. The judgement is clearly paid, and I have the court record. Im confused how Transunion can update a judgement as verified when the balance is wrong. I didn't dispute it as not mine. Ive looked thru the site and I don't see a solid process of what to do next. Should I send something to Midland? I wouldn't think the Attorneys for Midland are reporting this.. Should I go
  3. I was previously sued by a landlord after moving out early due to failure for them to repair the heating system. Long story short they received a judgment of $2800 with 3.5% interest per year. The ended up garnishing my wages but then reporting to the court interst of 3.5% daily because they didn't understand what per annum meant. It went unnoticed for a few months but then last month I took them to court and the judge was so angry about their gross miscalculations (they said I owed $20000 due to interest) that he vacated the judgment and ordered them to pay back the funds. My question is,
  4. i had a judgement against me in NYC 2009, it was a landlord tenant situation i thought i could/should win . no word from the landlords lawyer until last week . my partner gets a letter to determine joint assets and 1 day later my chase bank account is frozen. i called lawyer and asked why did he wait five years , he said i was unreachable . same phone number and address and email for 10+ years .. it is for 3000..plus interest etc etc . he wants full payment plus interest at 9% .. any advice .. can i make an offer ? Drew
  5. OK, so i disputed my judgement and tu and exp deleted it yeah!!! equifax verifed it. My judgement is recorded at the court house the judgement is paid and is. marked paid on my credit report and now verified for equifax Tthe judgement amount is different than the amount that is recorded and on my equfax report because I qualified to only pay 5% of the medical bilsl.after the judgement was given. Is the grounds for deletion?? How do I handle equifax thanks so much Heidi
  6. Good Morning Everyone, I just realized that the original creditors for my judgement are no longer listed. I know that in NJ the SOL for judgement a max of 14 years from original delinquent date but if my original creditor is no longer listed, how do i find this our? Do i go by the date of filing? Really need some help with this- I've been fighting to get this removed.
  7. So I won a default judgement from a JDB who made the mistake of reporting to my bureau, they failed to notate and continued collection activity after failing to validate, so I sued them in NM Small Claims, I won by default and the 30 day period they could have appealed has passed. Now I have to apply for a writ of execution, that apparently they still have 10 more days to file for a motion to be "exempt", I'll have to serve this summons... more fees sigh. I'm not disclosing the name of the JDB just yet, but I'm looking for resources to help me with the collection of this judgement...
  8. I'm looking to refinance my mortgage soon and I have a few things I'm looking to clean up between now and then. As of the last few weeks one of the last blemishes on my reports dropped off. All that is left are 2 satisfied judgments, when I bought my house in July '12 they were verified with the courts as being satisfied. One of which we had to have them file the paper with the court to report as such, the other was confirmed when my LO requested the doc from the court. Both of these are scheduled to drop off my reports in 2015. Unfortunately both show on EX but EQ and TU only show 1 (ironical
  9. I have a civil judgement showing up on all 3 credit bureaus from a credit union that my Ex and I shared. The amount is for $500. I was able to pull the judgement up online by using the docket number showing on my credit report. The notes show that I was served and the judge ruled in favor of the Credit Union. It shows that I was served via my Ex Husband on 9/9/2010. I never have seen the papers or had any knowledge of the judgement nor did my Ex ever make mention of it. I only noticed it now when I started working on cleaning up my credit. Can someone assist with knowing if this is a filed ju
  10. I have been working on repairing credit and home searching for about five years. My credit was in complete despair after my divorce and so far I have paid off all the old debt except two things that are now judgments against me. One is for $5000 and the other is about $8000. The reason I haven't paid these is 1) I haven't had the money and 2) This was my exes debt and I felt like he should pay it. These items should be off my credit report in about a year and a half so at this point I am just playing the waiting game. I realize this makes me look bad but that is what I am doing. Eve
  11. My husband and I are hoping to buy a home soon, the only thing stopping us is the judgment on his credit report. His credit report says that it is estimated to be removed 03/2014. However, we have never had to deal with this before and just don't know what to expect. Will it be removed in March?
  12. I had applied to the IRS to withdraw a federal tax lien that was paid (settled for less than the full amount) in 2012. All indications were that they likely would not do the removal because of the settlement but today I got two letters from them: One was the notice informing me that they were indeed withdrawing the lien, and the second was the lien withdrawal certificate itself. I could not be more happy!! Has anyone ever done a lien withdrawal before? What’s the best way to get this lien off my CRs? Should I just dispute it as incorrect with the CRAs online, or mail a copy of the letter to ea
  13. I have a recorded judgement from Chase that is reporting with all three CRAs since 8/2010. Chase garnished my wages and the debt was paid in full 7/2011. The judgement on the CRs is listed as unpaid. Looked up the info on the judgement online via the Circuit Clerks website, saw that a release/satisfaction was filed 3/2012. I read up on WhyChat's site re: deleting judgements. My question is can I have this judgement removed at all, since the information reported on the CRs (which came from LN or somewhere else) is not accurate? Or, will the entry just be updated to paid/released at the m
  14. Hello everyne! I have a judgement filed against me with FIA Card Services. I got copies of the case at the courthouse and have reviewed it a few times. I don't recall signing any judgement from 2010 but my signature and handwriting is all over those papers. I would definitely remember if I signed for a judgement. However, I did took care of the bill back in 2010 and it is a paid judgement by default. I have no paper trails. The dates on my CR does match to the court papers. I was thinking about using WHYCHATS judgement process but want insights from CB first. Any pointers are appreciated!
  15. I moved out of a rental due to failure to repair heating. My landlord sued me in small claims court and the judge seemed to ignore many things. He ordered me to pay judgement for the month I left as well as 10 days in January. Under Oklahoma law I am entitled to break lease immediately and not have to pay rent. Furthermore, my landlord lives in Italy and sent her sister in law as power of attorney. At first the judge stated that power of attorney cannot represent anyone during small claims court but them allowed her to do so. Furthermore this power of attorney has already been harassing me and
  16. Longtime Lurker and now ready to get this party started and would love some advice. I've read the newbie sections and stickys many times, but would still like some guidance on my next step. Had perfect credit from 1999 (age 18) when I got my 1st CC until mid 2007. As result of that I was in pretty deep debt. Close to 80K in installment loans, student loans, cc, and back taxes. Some worked with me and ONLY CRAP ONE and CITI (my one judgment) didn't and at the end of November I passed my states 6 years SOL on the CRAP ONE account. I have bank statements, CC statements, and copy of all lett
  17. They got a default judgement and now have sent a fact information sheet that is due in about a week. Then this weekend I received a notice of taking deposition for a date in November. At the time the court date was when the judgement was entered I was advised by a debt settlement company to let it go since I was not in a position to negotiate. The OC was GE Money and I am in FL Any ideas on how I can approach this?
  18. Is it possible to have satisfied judgements removed from your credit? I am trying to buy a house and thought it would improve my score. Thanks for your time! Amanda
  19. I have a judgment for the amount of $2037. This was for 17 different account numbers and dates of service. I was being seen twice a week for prenatal testing and each time I was seen, a new account number was created. The billing dept would not combine the accounts so I could make one monthly pymt for all accounts. After getting the summons in the mail, I did make a few payments to the lawyer but after a shocking heart attack and bypass surgery I was out of work for several months. This created even more bills that are in collections. However, most of the accounts reported as collections are t
  20. A while ago we got a letter stating that a judgement had been issued for an unsettled debt of my wives. We contacted a lawyer to see what this was all about and the lawyer contacted the lawyer that was involved in the court process. We got a letter back from that lawyer saying that the judgement is not valid and would be taken off the report. Well we pulled her report the other day and notice that there is a judgement there and confirmed its the same judgement as the one we dealt with. My question to you guys is what do we need to do to get this removed? We still have the original letter
  21. Can anyone help me understand? We foreclosed and received deficiency judgement (in South Carolina) in August of 2010. I won't go into why we foreclosed except to say we were sickened by it and tried to work with the bank but they refused. Almost 8 weeks ago we applied for VA loan via Navy Federal Credit Union. We were pre-approved. Question: Who gave the pre-approval, the VA, since they will be backing the loan, or our lender NFCU? I ask because I have since read that if there is an unpaid judgement in public records that the VA will not approve. However, we were pre-approved. (We wer
  22. Good day, I have several paid medical collections still reporting that were paid via judgement. (Over 2 years old) I also have open "true" collection with the same creditor. I am looking for advise on deleting or showing 0 balance on the old reporting items (or is closed ok w/ balance ok) I'm not sure exactly how to deal with them as I have some open collections with them that I have not paid yet. Should I try to pay OC first as they are not reporting and then correct the old?
  23. Hi, I recently applied for a mortgage and of course my credit report was pulled to review my history. My credit was repaired a while back and I now have zero debt, however there was a judgment against me from Discover card in 2004. Since that judgment I settle with Discover Bank (paid as agreed), but the judgment is still listed on two of my credit reports (Experian, Transunion) as not paid, but is not appearing on my Equifax report at all. I've contacted Experian and Transunion to have it removed, but I had a few questions. 1. My understanding is that even if they are paid judgments s
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