has anybody ever had any luck disputing a judgement or paid tax lien off their CR? Are they the kinds of things that once on there, they won't ever come off until the 7 yrs is up?
I disputed the date filed. ie:"No Lien filed on 8/1998". May take a couple of tries. You can try "Not Mine", but 10 times out of 10 this wont work.
I may be wrong, but I think that is part of the point, if they are renewing it, they probably haven't gotten their money, so they feel they are sticking it to you any way they can, so yes, the report it.
I looked up the question whether renewed judgments can be reported. According to the FDCPA, they can be.
Re: tax liens and judgments Therefor judgments are the only thing that doesn't have a reporting SOL correct.
In some States,an existing jufgment can be "renewed" i.e. same case #,this cannot be reported beyond 7 years from original report. In other States the judgment has to be refiled or recertified,new filing date and new case #,reporting is 7 years from that new date.I do not know of ANY State that allows ANY renewal,refilng or recertification by anyone other than the ORIGINAL filer.
I've disputed a judgement and gotten it removed. Our street numbers all changed several years ago, so my address associated with the judgement was wrong. Piece of cake Gib
Gib, I'm waiting for EQ to verify a judgement. I know for a fact the address on it does not match my current one AND there is a typo in my name as well. If It doesn't come off, would you mind sharing details on which CRA it was and how you got it off?
It was EQ, my street # changed about 7 years ago. No SS # on the judgement, so EQ couldn't verify it. They have to match 2 out of three things to verify a judgement. They are: name, address, and SS#. I just challenged it as "not mine". Gib
SO WHAT YOU'RE SAYING IS...IF JOHN DOE HAS A JUDGEMENT AGAINST HIM, THE CRA's TAKE IT UPON THEMSELVES TO PULL PUBLIC RECORDS AND PLACE THE RECORD ON CONSUMERS' REPORTS? NO ONE FROM THE COURT SENDS THE INFO TO THE CRA? JUST TRYING TO MAKE SURE I'M UNDERSTANDING THIS CORRECTLY.
The imput of public records is done by computer match-up.There are no wicked little elves ferretting out information to "put" on your report.The program runs all the time,it matches ss # names and addresses, plus it has several self checking verifiers put in to weed out duplications. This is why when you check your reports, one report may have a different date for a judgment filing than another report.If you pull the public records, you will see one is the initial filng date, the other the date it was entered.
WHERE DID YOU LEARN OF THIS? I'M NOT BUYING INTO COMPUTER'S DOING IT ALL THEMSELVES. SOMEONE HAS TO BE SEARCHING AND/OR SUPPLYING PUBLIC RECORD INFO. IF WHAT YOU'RE SAYING IS CORRECT, MY APOLOGIES. BUT I THINK A PERSON IS RESPONSIBLE FOR PLACING PUBLIC RECORDS ON FILE. BY ALL MEANS, CORRECT ME IF I'M WRONG AND EXPLAIN WHERE I CAN FIND THIS INFO.
