how do i get a judgement off my credit report if i was told i was never there yet it is and i paid it 100%?

Question

years ago from medical disability i defaulted on a credit card. well i paid it off completely after being threatened with a judgement and now i get my report and see that the judgement is there and i was never told it was REAL. i have since paid the debt in full 100% and this is still on my report? how do i get this off? i was never told any real files were done or anything, just threatened by the creditor...any ideas?

Answer 1

Some pretty good answers, except, never send anything showing proof of payment to the CRA's. It will only cement it to your report.

If you paid the creditor/collector directly, they should have reported the payment to the court clerk and had the information placed in your file.

Go to your county court clerk and request to see your file.
Check to see if the payment was entered.
If it wasn't and you have the papers to show it was paid, you request the court clerk enter it into your files. If you have no paperwork, make the creditor/collectors life miserable until it is entered. Even if you have to file complaints with the BBB, the FTC, your AG and the creditors/collectors AG.

If it is entered or after you request that it be entered (giving them the proof that it is paid), request a certified, court stamped copy of the payment paper (showing it was paid) from your county court clerk.

If the CRA's are reporting a dollar figure still being owed on the judgment, file a dispute with the CRA's saying that you have no such judgment for the amount being reported and request deletion. (since you paid, you no longer owe what they are reporting and so they are reporting incorrectly)

DO NOT send them that payment copy that you received from the county court clerk.

If the judgment is verified and remains without being corrected, file complaints with the FTC and your AG claiming that the CRA's are reporting inaccurately and that the inaccuracy was verified by
Explain that they are violating your rights and damaging your credit since the judgment had been paid, yet they continue to report it as unpaid.
Include a copy of the certified payment paper you received from the court clerk with your dispute.
(CRA's NEVER request verification from the courts, they get their verification from 3rd parties such as the creditor, collector, Lexis Nexis, Pacer, etc - though many times they will "claim" the court verified - which is an unprovable lie)

Then, redispute with the CRA's. Include a copy of your complaint to the FTC and demand deletion of the account.

The FTC normally does not do much on a "case by case" basis. They generally wait until they have numerous complaints concerning the same issue and then they may go after the offender by way of class action.

With that said, even though the FTC probably will do nothing to intercede for you with the CRA's, the CRA's do not like to see complaints filed against them and will generally do whatever they can to resolve the issue.

Answer 2

Sometimes a person with the same name is the culprit. The person who is entering data could have made mistaken pull your records instead of the real person who's bad credit belonged to. There is no way for them to know if that is the person they want especially if there is no difference in the record. same name, same birtday - middle initial and theres a lot of that...so you can complain to the bereaus and collect all your documents with you. Call the company that you supposedly owe something. And also, if you just paid it off, it probably will still show there. Definitely, you have to call.

Answer 3

WELL FIRST OFF DO YOU HAVE RECORDS YOU PAID THE DEBT?
If you do contact the credit agencies:
Experian, Equixfax, trans-union, you can do it on-line.
File a dispute with them showing your proof, and they should remove it.
Also you can write the company that is trying to place the judgement and ask them to remove it from your credit report and if they continue you will file harassment charges against them. SEND CERTIFIED RETURN RECIEPT SO YOU HAVE PROOF OF THE LETTER!
Once they have gotten that letter they can contact you to try to resolve the matter one time, otherwise you can file against them in federal court!

Answer 4

Go to the website for the credit bureau. You can log in as yourself (they'll ask you questions to verify it is you). Then there is a place where you can enter errors on your report. They will research what you tell them, assumedly find it is an error and then mark it as paid.

Answer 5

The answers given are very good. You can certainly do the legwork and clean up your report. However, there is a professional attorney that will do it for you...for very cheap.

Lexington Law specializes in this, and will do ALL the work for you. Go here to see if you might be interested: http://www.keyblast.com/2.php