If you have a judgment from an apt complex is it the same as if you had a judgment from a bank/cc company? Does the 7 year rule apply even if the judgment is NOT paid?
Judgements are simply a matter of public record. The amount of time one can stay on reports will vary from state to state. In some states, they are renewable. Here in Florida, there is essentially no SOL on a judgement. They remain for 7 years and may be renewed at the end of those 7 years....indefinately.
So if the judgment is NOT renewed by the 7 year mark it should come off correct? The only way it can continue to stay on the CR is if the judgment is renewed?
I would assume so. I had a judgement removed simply by disputing it as "not mine". The credit bureaus must match 2 out of 3 three things to verify a judgement. They are: name, address, and SSN#. My SS# wasn't on the judgement, my street number had changed, and they didn't have my full name on it (no suffix). It came off easily. Gib
If you are in a State which allows renewal of an existing judgment without a recertification and new filing #, then even if it is renewed it comes off in 7 years from the original date. If the judgment gets a new filing #, then it is on your report for another 7 years as it is considered a "new" judgment.
So the info like your name ss# address will all of that be on your CR under the "judgment" ? and if so if ANY of that info is missing on your CR is that grounds for dispute under "not mine" or anyother dispute?
If you are able to "look up" your judgment record from the file # on your credit report, OR if you can pull it up on your County records on line,then a dispute of address or ss# (which isn't usually on an older judgment anyway)is not going to work.By the way, if you are in Fl, you should read a post on the new Fl. Lien law I did about 2 months ago, or e-mail me for more info.
