Is it possible to remove a satisfied judgment from your credit report?

Question

They sued, I paid. Now what?

Answer 1

Never dispute the judgment as satisfied. Doing that will cement it to your reports

Order paid reports from each CRA, don't use a tri-merge report or the free FACT ACT report.

Get a certified copy of your satisfied judgment and compare it to what is reported on your credit reports. Look to see if what is on your reports matches the satisfied judgment - exactly.

If they do not match exactly, dispute it as:

On my credit report # xxxxx there is an inaccurate entry.

I have no such public record judgment # xxx xxxx for this date from this Court for this amount.

Enclosed is a copy of my drivers license and a recent utility bill to verify my name and address.



Sometimes a disputed judgment will be verified. Courts "do not" verify. Usually when the CRA claims the disputed judgment was verified, they had used a third party like LexNex to get their information from.

If they verify and continue to report inaccurately, you might file an online complaint with the FTC then re-dispute with the CRA's and include a copy of your complaint with your dispute..

There is a chance that the CRA's will just update it to show as being satisfied, if they aren't currently showing it as satisfied.

As long as you have a trade line reporting "inaccurately" on your reports, you have the right to dispute it.

Answer 2

The judgment remains on your record for ten years, whether paid or not. A credit lender will be able to see that the judgment has been satisfied, though. The crucial information that this gives anyone viewing your record is that the judgment was the means your creditor had to go to before the debt was paid. Sorry.

Answer 3

remove satisfied judgment credit report

Answer 4

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I haven't done anything with the info, But I found what I was looking for.

Answer 5

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Cheers!

Answer 6

Yes it is possible to remove a satisfied judgment but it may take some effort. First of all, contact the credit manager of the department or collection agency and see if they will give you a "paid as agreed" or deletion letter as a gesture of goodwill. Next time this happens you want to negotiate this PRIOR to paying because your leverage is gone, but it is worth a shot after the fact. Send the request certified mail with a return receipt. Chances are they will not respond. That's okay cause you want to show that the credit bureau when then respond and say the entry has been "verified" that you an inquiry to the creditor or collection agent and they never responded.

Dispute any inaccuracy or incomplete listing with the credit bureau. Equifax is normally the most inaccurate with public records and the slowest to respond. If it comes back as "verfied, no change" and lists the source as the public court then you want to send a letter to the court asking who is the person at the court who "verified" this entry. Hint. the credit bureau did not contact the court. Normally they go thru a third party database to verify the public record information and this, I believe, is a violation of the new FACT ACT law. It says the credit bureau must contact the source of the data who would be the clerk or official at the court. The court is going to tell them that they can check the records themselves. The court is simply a repository. The source is the collection agent or creditor, who by the way probably did not respond.

Write a letter to the clerk of the court and ask who is the person in charge of credit challenges per the new FACT ACT law. Normally they will tell you to contact the consumer reporting agency "credit bureau" and the court does not report information to any party, but that its records are public information. This is what you want. The response from the court.

When you ask for a reinvestigation from the credit bureau within15 days of receipt of your letter include your letter to the court . Send this request for reinvestigation, via certified mail from the post office, return receipt requested. If they do not respond within 15 days, then the accuracy is immaterial. The credit bureau "must" delete the entry because they violated procedures. Immediately send another letter to the same credit bureau and tell them that they have violation the FACT ACT law by not responding within 15 days and need to promptly remove the disputed entry and send you a copy for your records. This is why I like Equifax, they are bad at getting back within 15 days which is now law for reinvestigations. If they do respond within 15 days then. You have a choice. Follow the same procedures with another credit bureau or continue with Equifax.

Send this response as additional documentation to the credit bureaus. (The letter from the court saying they don't report data to consumer reporting agencies, and a copy of the green card (return receipt) sent to the original creditor or collection agent (who probably did not respond to your request to delete the data). Tell the credit bureau to call the court to confirm the information on the credit report, (specifically, the court official who wrote you) not to check a database again. (The credit bureau won't do that.) This is a violation, i believe, of the FACT ACT law. So based on procedures, 90% of the time the credit bureaus are short cutting the congressional intent.

Show then a copy of when the letter to the creditor or collection agency was received via usps.com and if there was no response (likely since you already paid) tell the credit bureau you do not understand who is verifiying the info(creditor did not respond and court says we do not place data on credit reports). After that normally the bureau will delete your data. If not send a final letter to the same credit bureau and send a copy to the federal trade commission and your congressional representative with all your correspondence. This normally will get the credit bureau off the dime.

However, you have another ace to possibly play.

Check your state laws for information on vacating a judgment. If the creditor or collection agency did not respond then if you have reason to possibly file a motion to vacate the judgment and chances are high they will not send anyone to court. You may want to check with an attorney or have someone review your motion to vacate. (Not giving you legal advice here.) (You must serve the party who had a judgment against you.) You could also file a motion to vacate the judgment at the beginning and send a notice to appear to the plaintiff in the lawsuit. Then call them on the phone asking to write you essentially a deletion letter on their letterhead or you will force them to answer the motion to vacate. Now they have incentive because otherwise they would not be showing up to court. They may not oppose the motion to vacate.

Once the vacated court order is signed. Send this (get three or four certified signed copies to the credit bureau. who initially verified the judgment). By court order they normally will remove a vacated judgment. This is law. After that follow-up and request that the credit bureau (if Equifax was who you challenged) report the removed data to the other credit bureaus (remember there are three other national credit bureaus. Experian, Trans Union and a sleeper credit bureau called Innovis in Columbus, Ohio). The FACT ACT law says credit bureaus must "share" removal of negative data with other national credit bueaus.

If you had no luck with Equifax. Start with a dispute to Experian (waiting for them to say verified and include your response from the court, etc.). And have Experian contact Equifax to remove and update your report.

Good Luck

Contact me here at Yahoo if you need more guidance.

Answer 7

Thankyou all for your answers and opinions!

Answer 8

Not sure about this