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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 most? Also, is there something wrong with the release being reported some 7 months later? TIA...

 

 

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You can dispute it to get it to report satisfied but instead of doing that what I would do is file a motion to vacate the judgment in the court that granted it on the grounds that it has been paid, if it's granted the entry comes off all your reports as if it never happened. Disputing it will most likely drop your score as the status date will come current and it will look "new" in the eyes of FICO.

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I'm far from a pro, but I wonder if you address has change since the judgment is filed and if you where able to remove that old address, if you disputed it now if it would come back?

If it is truly tied to an old address which remains on the CR's, deletion of that address and a follow up with a CRA dispute to each one separately greatly increases the chances of seeing it vanish forever. Treat each CRA as a separate business, and correspond with each one separately.

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I'm far from a pro, but I wonder if you address has change since the judgment is filed and if you where able to remove that old address, if you disputed it now if it would come back?

If it is truly tied to an old address which remains on the CR's, deletion of that address and a follow up with a CRA dispute to each one separately greatly increases the chances of seeing it vanish forever. Treat each CRA as a separate business, and correspond with each one separately.

 

The address was removed from TU; however not removed from EX or EQ because it is tied to the judgement (and other TLs reporting).

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@honybee have you tried using the 609 letter?

Haven't fired anything off as of yet. Didn't want to risk having the entry updated and my already low score taking another hit. I would like to know what the least damaging option at this point.

I've been looking for that letter. Can you refer me to a link please?

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I'm far from a pro, but I wonder if you address has change since the judgment is filed and if you where able to remove that old address, if you disputed it now if it would come back?

If it is truly tied to an old address which remains on the CR's, deletion of that address and a follow up with a CRA dispute to each one separately greatly increases the chances of seeing it vanish forever. Treat each CRA as a separate business, and correspond with each one separately.

 

The address was removed from TU; however not removed from EX or EQ because it is tied to the judgement (and other TLs reporting).

I had someone at EX tell me they couldn't remove an address because it was tied to a judgement. I told them that the judgement was paid (they hadn't updated it) and asked if they could remove the addy once they verified. They said yes and when the verified I called back and asked them to remove the addy. Then I disputed the judgement. I'm still waiting to hear back, but I did the same with TU and they deleted it! It's WhyChat's method and it's been successful for me. If you get someone at the CRA who doesn't seem willing to remove the addy, call back and talk with someone else.

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I'm far from a pro, but I wonder if you address has change since the judgment is filed and if you where able to remove that old address, if you disputed it now if it would come back?

 

If it is truly tied to an old address which remains on the CR's, deletion of that address and a follow up with a CRA dispute to each one separately greatly increases the chances of seeing it vanish forever. Treat each CRA as a separate business, and correspond with each one separately.

The address was removed from TU; however not removed from EX or EQ because it is tied to the judgement (and other TLs reporting).

I had someone at EX tell me they couldn't remove an address because it was tied to a judgement. I told them that the judgement was paid (they hadn't updated it) and asked if they could remove the addy once they verified. They said yes and when the verified I called back and asked them to remove the addy. Then I disputed the judgement. I'm still waiting to hear back, but I did the same with TU and they deleted it! It's WhyChat's method and it's been successful for me. If you get someone at the CRA who doesn't seem willing to remove the addy, call back and talk with someone else.

I was told that there were other TLs tied to the address as well, so I may not be able to get it removed off of EX at this point. However, i will contact EX and try with someone else. TU deleted all old addresses without question, and waiting on EQ to see what they do.

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