Most of my bad credit has fallen off or been deleted. The one exception is an Equifax tradeline. It was originally a charged off credit card that I was sued on and a judgement was taken. I paid the judgment off in 1998 in full. The problem is the tradeline still shows unpaid on equifax.(All references to the judgement itself have been deleted from all 3 bureaus.) I have disputed the tradeline, as paid, 5 times and each time it comes back verified. I have called the credit card co. and they verified to me it was paid. The lawyer who sued me has verified in a letter that it has been paid. Nevertheless the tradeline continues to come back as verified unpaid and past due. I can sue all 3, EQ, FUSA and the lawyer in justice of the peace court and I know I will win. My problem is this. If I do nothing the tradeline will drop off in November 2001 because of age. I am concerned however that If I sue the judgment listing may be ressurected on my reports and it would not fall off until 08/02. I would really like to rub their noses in it but maybe I should just let it ride until Nov. Any ideas?
Others may disagree, however, if I were you, I would wait until November and have it drop off on its own. You may want to give it till mid-summer and then dispute it as obsolete. I have heard that the CRAs may drop things off if claimed obsolete within 6 months of 7 years. What does everyone else think?
It would take you almost that long to get a court date. I'd just let it be for now and dispute it in July or August.
Your right, I know I should leave it alone but It really ticks me off the way its been handeled. I would really like to punish them but I guess discretion is the better part of valor. Thanks a million for your input.
I agree with the concensus. Wait and see if it falls off on it's own. If for some reason it stays, then sue 'em.
