what you want to see is if the cra is actually verifying the judgement or faking it. ask them what procedures they are using to verify the account, if you have already disputed it and they have verified it. they are supposed to respond in 15 days and have to give you an address/phone number of furnisher. my guess is that they didn't actually verify with the source. How old is the judgement? if you went to the courthouse yourself, could you easily get this information... who at the courthouse verifies this info? If they do not respond, you have the cra on a violation, and can use this as lawsuit ammo to get the judgement removed. the letter is listed in the letters forum. I hope this helps.
The CA can't verify it, judgements are a matter of public record, it has to be verified from the Clerk Of Court where it was entered. Gib
that's the hook. the clerk has to verify it, so if she doesn't how are they doing it??? send the letter, crrr and see what they say. was this cra equifax, by the way?
Based on this statement, I would say they did in fact Verify it. It was paid off a couple of months ago, it was updated to Paid Judgement. I agree with you on requesting a procedural description though. It might give FUBA an insight on how to get it deleted. Gib
There really isn't any mystery here. Counties don't report, but anyone can check public records. Even an employee of a CRA. A lot of counties even have the records available online. Gib
Lets see if I have this right... I now write to the big 3 and ask them, who reported the judgement, how it's reported, name, address etc? Is that procedural description? Where do we go from there?
you ask them how they verified the information that you disputed regarding xxx judgement. if they verfied it by phone, who did they talk to and at what number if they verified by mail, who replied and at what address if it was verified electroncally, by whom and contact information. please respond within 15 days.
Not sure about this but worth giving a shot. Since your paid judgment is recent maybe you can file a motion to set aside or vacate judgment. From what I have been able to read, it may be possible to set aside a recent judgment, particularly if the plaintiff does not object. From all accounts opposing attorney's don't care what happens to the case once an account is paid and they have received their money. It was too late in my case. Hope what I have been reading and hopefully correctly understanding can be of use to you. Again, I am not familiar with legalese, someone please correct me if I am giving wrong advice.
What I discovered is this; if judgments in your state are valid less than the 7 year reporting limit, the cra's will delete per your states laws. I had a couple of unpaid judgments, (and it may be different for paid). Judgments in Az are valid for 5 years. They can be renewed for 5 years prior to the expiration date. Mine were not renewed, and I disputed them as "obsolete, please delete" and TU and Equifax both deleted them. They had already been deleted by Exp. I would find out your state laws on judgments and possibly dispute it that way.
look, you should send the procedural letter to the cra's and see if and how they respond. judgements both paid and unpaid can be removed by simple disputes, however if the cra cannot tell you how the alledgely verified the information, that is a violations and could be grounds for a lawsuit. since the judgment is more than a couple of years old, i doubt you could have it vacated. I know in my state you have to do it in the first year., but you can check.
