GMATT, I WAS LOOKING BACK IN THE ARCHIVES OF THE MESSAGES AND I NOTICED THIS ONE. I'M HAVE THE SAME PROBLEM WITH A JUDGEMENT BEING ON MY REPORT AND NOT FINDING OUT IT WAS THERE UNTIL MARCH. IT SHOWED ON TWO OF THE CRA'S TU & EP, NOT EQUIFAX (THANK GOD!!). ANYWAY, I FIRST DISPUTED THE JUDGEMENTS WITH THE CRA'S. AT FIRST TU DELETED, THEN RE-INSERTED BECAUSE THEY REC'D INFO BACK AFTER THE FACT. AND EP VERIFIED. SO I REALLY GOT NO WHERE. ANYWAY, I TALKED TO A LAWYER AND ASKED HIM WHAT I COULD POSSILBLY DO TO ELVEATE THIS SITUATION. HE TOLD ME ABOUT HALF OF THE CASES, THE JUDGEMENT IS SERVED IMPROPERLY. WHAT YOU NEED TO DO IS GET THE DOCKET # WHICH I GOT MINE FROM WHEN I DISPUTED THE INFO ON THE CREDIT REPORT, GO TO THE COURT HOUSE WERE THIS IS FILED, AGAIN INFO SHOULD BE ON THE REINVESTGATION REPORT. PULL THE FILE AND FIND OUT HOW IT WAS SERVED. HE SAID THE COUNTY CLERK SHOULD BE ABLE TO HELP YOU WITH THIS. IF IT WAS NOT SERVED PROPERLY, YOU CAN MOTION TO VACATE THE JUDGEMENT. I WILL BE GOING DOWN TO CITY HALL PHILA NEXT WEEK TO PULL MY FILE. IF YOU WOULD LIKE I CAN KEEP YOU UPDATED AS TO MY PROGRESS. I BELIEVE IT IS WORTH A SHOT. I HAVE NOTHING TO LOSE. THIS THING IS RUINING ME....