How do you dispute judgements on your credit report?

Question

I have 2 judgements on my credit report that aren't true. I am trying to clean up my credit without paying someone $700.00. Please help if you know anything about getting inquiries and other old accounts, and accounts that doesn't belong to me.

Answer 1

In accordance to the Fair Reporting Act, you need to dispute the charges to the 3 major credit bureaus( Experian, Transunion, and Equifax). They are required to notify any entity that has placed a disputed claim. This is a little bit of a joke as the entity only has to respond that they have documentation proving sum is owed, but the credit reporting company will provide you with the information needed to rectify the problem.

Working with the courts is going to be difficult, but not impossible. To speed up the process you can hire an attorney, but it may cost more than the judgments themselves.

Hope this helps.

Answer 2

If there are errors on your credit report such as accounts that do not belong to you, just follow the dispute instructions for each credit bureau.

The judgments are different problem. You should check to see where the judgments were issued. Get a copy. You may have to go to court to get them reversed. You might even need an attorney.

Don't bother wasting any money on a debt clean up company.

Answer 3

You need to start with the company that you got the credit report from. They will then tell you the company that issued the judgment. They will then check in to it, but it will do no good. You will then have to contact the company yourself. This happened to me about 5 months ago. Someone used my identity to order $1000 worth from a company that I had ordered from about 15 years ago, but sent the merchandise to a state I had never lived in and they never paid the bill. A judgment was issued against me. I had to have a police report filed. I then mailed that police report to the company along with a theft identity loss affidavit and got it all cleared up. There were tons of paperwork. But it got done in about a months time. Good luck to you.

Answer 4

You will have to contact the credit bureau. They have dispute forms you can fill and submit. My sister's credit stuff was under mine for awhile and I didn't know until I saw my credit report. If you dispute this the the credit bureaus, they will take care of the rest.

Answer 5

circulate directly to the employer that suggested the judgement, and characteristic them examine their information. they might supply you the run around approximately no longer understanding something approximately it, yet there will be information of it, so shop on them, and that they are going to discover it. while they do discover it and it extremely is in errors, have them superb suited it with the credit bureau, as defective statements, with the suitable documentation, might properly be faraway from the credit bureau. Have the employer undertaking you a signed letter on employer letterhead declaring that the judgment replaced into suggested in errors. Take that, call the credit bureau, clarify the area, and fax them a replica of the letter. they're going to take it up with the employer that erroneously suggested it, and your checklist would be cleared. additionally, if it extremely is the only difficulty such as your credit, carry the unique letter to the interior maximum loan lender. Your mortgage lender is barely withholding your pre-approval using fact the judgment provides threat. as quickly as you modern the letter that eases their concerns, and which will no longer be a difficulty on your approval.

Answer 6

From Visa Site:

How can I dispute a charge on my Visa card?
Our Member financial institutions issue cards and are responsible for all billing and account management inquiries. Visa has no access to, nor jurisdiction over, accounts.

We suggest you address your questions to the financial institution that issued your Visa card. You can contact them directly, using the address or telephone number on your Visa statement or on the back of your card.

Answer 7

You can dispute all you want to. It won't do any good. I know first hand. I disputed charges before they ever went on my credit report. They went on anyway. That's what I love about America. Screw the poor.

Answer 8

Here ya go:

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm