Removing Judgments

Re: Re: Re: Removing Judgments

"It is my understanding that the courts do not report to anyone. The CRAs pay companies such as Lexus Nexus for information from databases they maintain collected from public records."
this is true the bureaus get info from lexus nexus for bankrupcy info and have vendors that go into courts for the rest of the info

 

Re: Re: Re: Re: Removing Judgments

find something more up to date bc the bureaus upload the information from lexus nexus for the bankrupcy's. That was an article over 8 yrs ago and times change

 

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this is straight from the monkeys mouth via their GA office since i know someone that works there, how the heck did u think i knew how to remove a judgement inside info never hurts

 

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Maybe I can shed some light on this subject. First, the courts do not report to the credit bureaus. Call your county court house and they will tell you this. They will also tell you that they do not verify information with CRA's. Second, Lexis Nexis is a third party that collects information such as judgments and BK's from the court houses. That is where the CRA's get their information and who they "verify" with if you dispute the judgment. They DO NOT "verify" with the original creditor. So if, the CRA's verify ask them for a procedural. Since they didn't verify with the original creditor, they should delete (Lexis is a third party, not an OC). I just disputed off an old satisfied judgment and my score dropped by 5 points, so don't pin your hopes on a score increase. It is just nice to have that thing off! Removing old addy's is a good route, but it isn't easy. Experian was the easiest for me when it came to removing old addy's.

 

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you are wrong about a few things. The credit bureaus have a vendors that go into the court of record and look up the public record information, since of course the information is public. They pick up the bankruptcy's through lexus nexus even though lexus nexus does have judgment and tax lien info it doesnt use lexus nexus for updating. The credit bureau does in fact go directly to the court though their vendor.

And again they never verify with orignal creditors on judgements and will never accept documentation from original creditor if you mail it in to update your credit file.

 

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Opt out of Lexis Nexis and then go to the CRAs.

This seems like a simple way to remove judgments, and I am in the middle of the process now.

I have had one removed by the OC. It wasn't mine, I had paid it, because I had to during a refi. After 2 months of calls and letters I finally was able to get them to remove it.

 

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On erroneously reported bills that are not the consumer's, where the bill had to be paid to obtain a mortgage, has anyone tried paying it, marked "disputed, paid under protest" on the check, and then later sue the CA for real damages on the amount of the check?

 

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Hi OT,

Great issue.

I have long advocated that if anyone pays a debt for ANY reason be sure to include "under protest" on the check.

If for no other reason it sets up the proper circumstances for arguing against a 1099.

Good job on the board btw.

: )

 

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Lexis Nexis optout:

http://www.lexisnesis.com/terms/privacy/data/print_template.asp

You need a separate form for each address, but can mail them all in the same envelope. Check "do not send me..." There is a phone # to call to make sure they opt you out, and I'm looking for it - will post when I find it.

You can also order a full report on yourself, for $8, I think. I'm looking into that also, although I hear it's really scarey.Lists neighbors, who you've lived with, etc...

 

Please forgive my total lack of understanding here. I just joined this board today while just doing a search on how to dispute a judgment on my credit report.

To sum it up, here's the story:
I have recently been testing the waters to see if I qualify to purchase some property. I did what was suggested to me by a friend in the real estate business, which was go to the bank and see what I qualify for. My FICA score was over 700 so that's all good, but there is a judgment on my report that I knew nothing about. I think it may have something to do with my work because the address they have is my employer's P.O. box. I tried to contact the plaintif on the case, but they immediately started asking for my personal information so I just quickly hung up the phone.

Here's my question:
Can I just try disputing this on the address alone? Or should I try to get more information? My second question is: Who is the "bureau"? Is that the plaintif?

Thank you for looking at this and I truly appreciate any input...

 

I am reading this as other posts to learn more about this stuff. While I think one may use p.o. box legally as ones address (after all, companies including EQ/TU/EX have p.o boxes as addresses), I would think it will be patently improper to give a wrong DOB to the CRA. The p.o.box is certainly yours if you paid for it and receive mails at it. But the wrong DOB is certainly not yours: using incorrect age may be construed as a minor ingredient of a bigger identity fraud.

 

How would you delete your ssn.The cra's would then circle file your dispute ann place a red flag on your account,remember they to can play games.

 

If their on the pacer system all the info they need is right there dob,ssn so you can mastermind your own demise with the cra's