In 2005 and again just recently, Equifax credit reporting agency verified a judgment debt with a certain courthouse. They told me that if I have any questions to direct any questions to this certain courthouse.
I went to that courthouse and they have no such record!
What should I do now? I think I should sue Equifax, but what if they have some paper that says the debt is in fact at this courthouse?
Thanks for your help.
Also, the judgment debt was satisfied at a different courthouse by the creditor's lawers and when I gave Equifax a cerified copy of this paid debt along with a letter from the creditor, they still kept this negative info in my credit file.
Woe is me!
2007-02-09 15:28:16 · 7 answers · asked by Mr. love 3 in Business & Finance ➔ Credit
You have the right to have that incorrect information removed from your credit report. If you have proven that the information that they have on you is incorrect and presented them with that proof, and they have not removed the information, then file a suit against them. Hire a lawyer.
In the future, if you want credit restoration done, hire a professional. They know all 340 of the laws in the FCRA and they would have had it removed. If they couldn't have had it removed for the same reason as you they would have taken the credit bureau to court for you. And you would not have had to pay a lawyer the thousands you are going to have to now. You may get lucky and win a large settlement but your lawyer will end up with most of that.
If you have any questions about credit issues, you may contact me at nebula7693@yahoo.com
2007-02-09 15:38:06 · answer #1 · answered by nebula7693 4 · 0⤊ 0⤋
From what you are saying something is missing. You first said that the courthouse did not have any record of a judgement on you. But then you said that the Judgement debt was satisifed with another court.
If you are trying to get rid of the fact that you had a judgement against you that will most likey not be removed until the limitation is reached(probably 7 years). However if you have paid it and Equifax says it was not paid then you would have some more work ahead of you. I do not think you would have to get to the law suit level, but you should then consult a lawyer.
If you are worried that your only issue is that the debt is listed with one or another courthouse as long as you don't have it showing up in both, I do not think really matters in the long run.
2007-02-09 23:39:29 · answer #2 · answered by OC1999 7 · 0⤊ 0⤋
Get a notarized or certified letter from the original courthouse stating that they have no record of any such judgement on record. Request that Equifax provide you with their supporting documentation that states there is a judgement onfile with this court. It looks like you have a lot of leg work ahead of you. You may also consider consulting with an attorney that deals with such issues. If what you are saying is correct, and the negative mark does not belong there, they will know what to say to the credit bureau to have them remove the mark.
2007-02-09 23:34:57 · answer #3 · answered by Scottee25 4 · 0⤊ 0⤋
Maybe you can call one of those credit counselor places and ask them what to do. If that doesn't help then call a few lawyers. Write out your questions before hand. usually the first 30 minutes or hour is free advice. Call a few of them till you get the answers that you want. Keep track of which lawyer helped the most in case you have to hire one. I would think that they could get hit with something like falsifying documents. After all. It is THEIR job to keep the records right. Especially when it comes to credit.
If you don't like that idea then make you can give them bad publicity on the sneak. Write to a few newspapers and ask the same thing in like Ann Landers or one of those places. If it gets out that they are that bad they will lose business. Good luck in whatever you decide.
2007-02-09 23:43:58 · answer #4 · answered by Me2 5 · 0⤊ 0⤋
A judgment once filed does not get 'erased,' except over time as OC1999 said. Your focus should be on making sure that it is being reported as SATISFIED. [Incorrect reporting would really be if the judgment belonged to someone else with a similar name or was reported as OPEN or UNSATISFIED when it WAS fully taken care of]. Unfortunately, a credit history is like footprints in the snow...you can change direction but the trail remains.
2007-02-10 02:50:09 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Call them back and ask to speak to a Supervisor or a Manager, if they still refuse to adjust your record.
Report them to the Federal Trade Commission @ www.ftc.gov.
this is the government agency that governs them.
2007-02-09 23:41:22 · answer #6 · answered by Seeking 5 · 0⤊ 0⤋
Talk to the supervisor
2007-02-09 23:33:54 · answer #7 · answered by Blank 4 · 0⤊ 0⤋