Removing judgment from CRA?

[seetheworld1]

Hi, guys,

I've been lurking on this board for about a week and this is my first question: I have a default judgment on my CRA from two years ago. It was for some master level college courses that I never finished. Anyway, I moved and got really sick and didn't realize I was being sued by the school until after the default judgment. The school's attorney really pressed me to pay quickly with the threat of wage garnishment. I was scared so I paid off the $6,600 in eight months. It's one of three dings on my CRA (other is a medical collection for under $1,500 and a federal tax lien that has been satisfied.) I've pretty much stayed away from credit since but I now understand I have to get back in the game. Can you advise me on how to get the civil judgment removed? Should I try a GW letter to the school or to the school's attorney? I actually have written to the IRS and asked them to remove the lien and it's probably that they'll do it (under the Fresh Start program). i'll post my question about the medical debt in the medical forum, but hoping you can help me with the judgment part. Is it possible that it can be done? If the school won't respond to GW, what should be my next step? Thanks so much. You guys are wonderful! Btw, I checked my fico two weeks ago and my scores are 593, 632 and 647.

[Sandscrit]

Hi and welcome to Credit Boards!CRAs rely on court documents to update paid or unpaid judgments. Unfortunately, there isn't much that can be done except watch it fall off in 7 years. Was a satisfaction of judgment filed with the court?

[Analysis]

Hi and welcome to Credit Boards!CRAs rely on court documents to update paid or unpaid judgments. Unfortunately, there isn't much that can be done except watch it fall off in 7 years. Was a satisfaction of judgment filed with the court?

This is very bad advice, completely incorrect. Ignore the above post.

 

Keep reading, especially about a company called Lexis/Nexis, a company which provides verification of certain county and federal court records for Experian, Equifax, and TransUnion--when and if those CRA's decide it is in their financial interest to pay L/N for that information.

 

Start be deleting your old personal information from your three credit reports. Then keep reading about basic dispute methods like the Jack Attack.

Edited November 18, 2013 by SBA

[seetheworld1]

I will, SBA! Thanks very much for the encouraging reply.