has anyone out there ever disputed a judgment on their credit report and got it removed?

Question

if so, how did you go about doing it

Answer 1

yep

You dispute it with the reporting agency. They research it and if it is credible they keep it.. if not they remove it.

hope that helps

Answer 2

It is possible to remove it....but you have to depend on getting an incompetent at the credit bureau who is investigating it.

Remember, credit reporting agencies make their money by gathering "fair and accurate" information about you. One of the very best sources of info is public records (court records of judgments). It's pretty hard to say it's not true if it's right there on the public record.

The trick is to send the credit reporting agency a dispute letter. Make a claim that it's not your judgment, or some other excuse. By law, they have 30 days to investigate it, and if they can not verify this information it must be deleted from your records.

If you are lucky, you get Mrs. Ditzy Blonde to investigate it. She won't be able to verify it fast enough, so the record goes away.

I've had a 50% rate of getting them removed this way. No guarantees. Send a dispute letter and see what happens.

Answer 3

Yes! I had to dispute a report saying I had declared Bankruptcy on one of my credit card accounts, but I have never filed bankruptcy. It took me six months to get it fixed, but it was worth it. I first called the card company that stated I declared bankruptcy and demanded they send me copies of the paper work they supposedly had. I then contacted all three credit bureaus and asked how I could dispute an inaccuracy on my file. I had it removed and my credit is a ton better. Here are the numbers to all three bureaus:
Equifax: 1-866-798-6598
Experian: 1-800-734-4617
TransUnion: 1-800-888-4213
Good Luck!

Answer 4

Yes.

These records are kept at the courthouse and the older the file is the deeper the file is. It can end up in a court where getting it verified within the 30 days doesn't happen so it is removed for non response.

However, a judgement can also track you down and garnish your wages and bank account. Dispute requires "surfacing" and making your whereabouts known. They can also be renewed and follow you for much longer than credit report limitations provide.

I write a blog on the subject of credit management, mortgages, real estate trends, etc. Check it out for more information that may be helpful.

I write a blog on the subject of credit management, mortgages, real estate trends, etc. Check it out for more information that may be helpful.

Answer 5

I went to the credit bureau and to the place where they had a judgment on me. After checking name, social security number, it was finally taken out of my credit report. It had been in there for about 2 years before I realized it.

Answer 6

Yes I had a judgement for a medical bill. The bill was supposed to have been paid by the insurance company for the company that I worked for as it was a worker's compensation case. I took proof of that down to the local credit bureau. It was removed.

Answer 7

I disputed a visa on my file.
It took them years to tell me that I have a limited time to contact them, to resolve it. My credit is messy. But I would rather us cash than deal with these behind the scene agencies.

It's as if there is some big secret or rumor about you that they have between them and anyone who can financially help you.

Don't do what I did though fight and repair your credit, even it takes years.