first I must say, that this is a great board with a lot of helpful information. I've been a lurker for sometime, and I thought it was time I became part of this family. Well like a lot of you, I'm in the process of repairing my credit. My goal is to purchase my first home by the end of the year. I don't have my credit scores yet, I'm in the processof getting them. I wish I had found this board earlier. But anyway, have this judgment thorn in my a&*. It's a judgment that I don't remember being served and appearing in 1996 for a apartment complex. Records state that I appeared in court. I trully can say, that I've never been in a courtroom except for jury dutiy. WEll anyway, I tried contacting the current owner of the complex about settling this judgment with them or their attorney. the only problem is this complex has been sold 5 times. And the current owner don't have records of my residency. They cann't even tell me what agency owned the complex at that time. However, their name is on the judgement. so in actuallity if I paid the court this judgment the payment will be going to someone that don't even have records of my residency. I was wondering is there some type of letter i could send them to ask for deletion. Right now they won't touch it because they say that they did not own the complex at that time. Any suggestions would be greatly appreciated.
I respectfully disagree with lb and suggest you dispute it directly with the cra's. I have have judgements removed from all three cra's by doing this. If they verify, then we can look at next steps.
I agree with Uniondiva. I had a judgement removed from my report just by disputing it directly with the credit bureaus.
I'd say file a motion to vacate. Reason being, just disputing it with CRA doesn't make the judgement go away. Personally, I'd try getteing it vacated then dispute it. If the current owners don't know anything about it, likely they wouldn't spend the money to fight a motion to vacate. Just my $.02
he can do both. he can dispute it to get it off his credit report and motion vacate so he doesn't have to pay it and it disappears completely. In some states it is not as easy to file a motion to vacate a judgment as you all sometimes indicate. In my state you would probably need an atty to do it.
Well for some reason, Eq and Ex has verifed it as satisfied. I don't know how, but Trans still remians. I'm in the process of disputing with Tran again. I just thought is would be better to have in totally removed from my CR.
