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I have a traffic violation in TN (tags expired) from about 6 years ago. I just received a letter from a law office and the letter starts like this..... "A judgment for the above referenced amount has been taken against you for an unpaid citation. The judgment has been referred to this office for enforcement..... If we do not receive payment in full or an arrangement for payment, we are directed to follow the necessary and appropriate procedures to collect this judgment including garnishment or your wages and sale of your non exempt assets." Then the letter goes into your usual 30 day dispute the validity blah blah blah...
I'm not sure if they're using their own wording but there is no judgment for this ticket. I went downtown where they record judgments and there is nothing recorded. Can anyone give me insight on this?
I had a judgment vacated and the negative trade line associated with the judgment across all 3 credit bureaus deleted. But OH NO! NOT EQUIFAX!! Even after sending them the court stamped dismissal. And wait! That's not the kicker. The Equifax representative calls me and tells me that just because the court dismissed the judgment (vacated) that Equifax is not obliged to delete from my credit profile. And then she told me that she spoke with the attorney of the original creditor and was told that they had no intentions of deleting the tradelines or vacating the judgment EVEN THOUGH it was already done! I swear I couldn't make this up if I tried. This was some Twilight Zone sh*t!
So after 26 months of war, I awoke today and ran my reports to find US Bank decided they did not want to be sued, did not want to deal with me anymore, and removed the account.
I beat them through persistence. I beat them by knowing the rules of the game better than their CSR's did. Hell, I beat them by knowing the rules better than the people in their credit reporting department did. I beat them by catching them in lies and in violations I never would have caught if not for this board and all the people here who take so much time to help others.
As an added bonus, an old paid judgment was also removed today from TU using the WhyChat letter after removing old addresses. TU just got the dispute on the 6th. I have EQ primed and ready with addresses removed, but wanted to make sure it worked with TU with no unintended consequences before moving on to EQ. I still have some addresses to removed from EX, but thanks to the great advice here, I know how to beat that as well.
With a little luck, and some goodwill on a few 5-year old late payments, reports could be 100% clean by year-end.
I'm a long time lurker and reader of CB for many years and I have finally decided to take the plunge and tackle this credit monster finally. I have been reading reading reading and implementing the preliminary steps to begin this process. Here's where I am so far and I am a bit stuck as to what my next move should be.
1. Ordered all 3 hard copy reports (all 3 in hand and ready to go)
2. Opted out
3. Removed all old addresses from TU & EQ.........Experian is giving me a heck of a time and I need to know if I should move forward or continue to try to get the addresses removed? Experian is currently showing 8 old addresses plus my current address, 3 of the addresses are duplicates of 3 old addresses in different variations.
1 of the addresses is not my address at all, as a matter of fact this 1 address being reported as mine is actually the address of the company/plaintiff that filed a "judgment" against me in 2012 and there is also a Verizon TL attached to this same address opened 1/2012, reporting since 11/2012 & last reported 6/2014. It's a utility bill for $341 and is reporting on EX & EQ and Verizon is the OC.
My 1st order of business was the Paid Civil Judgment reporting on all 3 CR's that I looked into public records to see if it was on file and it is not. I was gonna tackle this first using WhyChat's method. Should I still move forward with this even though the address is not cleared from EX? Based on WhyChat's judgment method I strongly believe that if I get this judgment removed then I will be able to get the address removed and dispute the Verizon TL there after.
2nd order of business is my 7 Medical TL's using WhyChats Hippa method.
3rd is to DV 13 baddies
and last but not least I'm currently rehabbing my student loans and then there is a Repo I don't know where to even begin with but I'm choosing to work on that last.
Any suggestions? Thoughts? Opinions? or Advice? If you need anymore info please let me know and I will be glad to provide.
So here is our timeline...
OC: Cap One
<Account opened, used, charged off in FL. SOL went past while a resident of FL (4y)>
<Moved to in AFTER all the above and SOL is still past in IN (6y)>
10/08/14 Sent the first letter to CRAs mentioning the OC and the CA account ( http://whychat.5u.com/initdispltrsol.html )
10/16/14 TU deleted everything (yay)
10/17/14 EX removed only the OC
10/27/14 EQ removed only the OC
10/27/14 Sent the letter to the CA ( http://whychat.5u.com/nottoca.html )
10/30/14 It was received
11/01/14 <------ LVNV updated the EQ file and also added about 8$ to the total
11/03/14 The second round of letters went to the two CRAs ( http://whychat.5u.com/nottoca.html#FOLLOW )
11/07/14 They were delivered
11/20/14 <------ LVNV updated the EX file and also added about 8$ to the total
Should I send another letter to LVNV?