I disputed it as NOT ACCURATE and it came back VERIFIED. I did this twice already and got verified. Any other suggestions? It only appears on my Equifax report. Also, as a note, the collection agency that put this on there said that as long as I pay them, they will not answer when the CRA contacts them regarding the judgement. Unfortunately, I didn't get any of this in writing or such because I wasn't as knowledgable about the credit repair process and such.. but it was only their word on the phone. Any suggestions? As for now, I don't even think the CRA calls the CAs.. they call the courts to verify, right? Also, this might be a question for Bill since you mentioned that it is fairly easy to get a reversal on judgements if the court process wasn't done correctly.. well, I was never SERVED the SUMMONS. Can I do anything? On the papers, it said it was delivered to someone other than my name that lived at my address ( a roommate that gave a false name anyway). However the situation now is that right before the wage garnishment became active, I ended up settling and paying for it. Thus, the judgement status is now PAID. Any suggestions on this?