I just applied for a mortgage and discovered that a credit report is showing a judgement against me that is in error.  Any suggestions on how to get this off my report?  I checked the case number and the name on the case is not mine.\n\nThanks,\n\nDavid
121418
I would try your banker and tell them whats going on.
589572
The seven years is almost up, don't waste the money.  It's not a subpoena, just a shakedown letter.  It may not actually get removed from her credit report after seven years, but it shouldn't be taken into account by new creditors.  It was charged off, so they're out the money and she's out her credit rating.
338137
The only way to get this debt removed is fight it with the creditor.  That may require a court trip to sue your ex for the amount she charged, then paying off the debt.  Be sure to make the creditor remove the report before you pay them, otherwise they just may leave it on your record.\n\nCredit reporting agencies will not remove this listing.  The best they can do is include a statement of your dispute, but most lenders ignore this information.
546751
Please ignore the above answers.  Another batch of people who guess at answers and won't take a moment to do some research.\n\nHere is your problem.  Protesting to the credit bureau does no good.  All they are required to do is check with the court and verify that there is a judgement on record (and there will be).  They will also check the status.  If it shows that it's not been satisfied, your credit history stays uncorrected.  \n\nYour job is to get this information corrected with the court, but it's going to require action by the creditor to do it.  And as you say, your creditor is being a jerk.\n\nYou need to do some simple research of your state laws.  Going to the court and asking the clerk's will not help because they are barred from giving you legal advice.\n\nLets take Michigan for example (see the law below).  The creditor is REQUIRED to report the discharge of the debt, or face contempt action by the court.  As you can see, in Michigan you simply send the creditor a certified letter demanding that they fix it.  If they don't you can sue them for $300 plus damages.  \n\nDo your research.  Maybe a local attorney will spend 5 minutes on the phone and tell you the local laws.  But I will guarantee you that every state has court rules that require the creditor to properly discharge their debts.
320030
I barely understand what your saying. \n\nIf someone else ruined your credit, prove that it isn't you. If you bought a car and couldn't make payments, a judge can order your wages garnished. Apparently, the creditor does not trust you to make payments on your own [without being garnished].\n\nThe lawyers you work with -- criminal or not -- should be able to give you advice on how to rectify the situation. Ask them for help.
602391
I am  a Mortgage broker and work with people in all possible situations  with their credit.\nI help people with fixing their credit, so I can get them into a loan.\nIn most cases you can and should do this on your own. It will save you allot of money and you can do it just as well if not better than someone else and in less time also.\nAll that is needed is for you to get a residential tri-merge credit report and look for the creditors that have collections or derogatory remarks against you. At the end of all tri-merge reports there is a place where the contact info for the particular creditor. call or write them for a settlement. in most cases they will settle with you for a reduced amount due, just be upfront and truthful with them and don't put up with any sh*t from them, Some can be real A$$holes (I've worked with many) \nYou can get a tri-merge credit report from any loan center for a small fee usually 10 to 15 bucks. it is a better report than those offered online and usually much cheaper than them as well\njust make sure it has all three reporting agencies on it\nEquifax, Transunion and Experian. You can e-mail me with questions if you need to. Info is always free.\nAlso I almost forgot. Most lenders will look at a consumer credit company the same way that they look at a Bankruptcy. I know it doesn't make much sence but they do also when you do establish credit you should never, NEVER pay off your credit card balances or loans all the way, keep them at about 20 to 30 percent of the maximum, for some reason when they compute the FICO score, if you pay off a line of credit, only the bad payment history stays, anything good disappears . \nEverything we where taught in school  about finance (as well as most everything else) is dead wrong.
9253
As one attorney always told where is the foal? If this has hurt your credit, or damaged you from consideration for the new rental unit, you may have a case and my suggestion is to contact a an attorney who knows real estate law.\n\nGood luck
458308
Yes, I have disputed and had the negatives removed, but the negatives were inaccurate. Sometimes it is best to "let laying dogs sleep" if the negative is old and accurate. By disputing the claim, you are refreshing the memory that you have an accurate debt with the creditor and since they will be updating the bureaus, your credit score could slightly drop since the account will look like it has had recent activity. Plus, if the creditors start to contact you since you reminded them of the debt, you will have to be careful with what you do so that you don't lengthen the statue of limitations (allowing them to have a chance to sue you for a longer period of time).
298082
Joieanew, please tell the whole truth!\n\nIf you pay your bills, you have to hope that the creditor will do something about your negative credit report he placed.\n\nJust placing "Paid in Full" does NOT remove any additional bad marks, such as that it was in collections, or that there were late payments.\n\nTherefore, unless the item is completely deleted, or the entire status is changed to "Paid As Agree, Never Late", you will still have bad marks on your record, and it will still keep your credit score low.\n\nThat is why, if you plan to pay off your debt, make the creditor agree IN WRITING to remove any negative report from your record.  Yes, they can do it.  Yes, it's totally legal.
190185
What was the date you defaulted on the loan?  When did you pay last?\n\nWith that much penalty/interest, it sounds like an old debt.  Each state has a statute of limitations, and after that time you have no legal obligation to pay the debt.  So that will at least get any creditors off your case.\n\nAs for your credit report, you can try what the previous responder said, and send a letter to the collection agency (See the links I've supplied below for info).  But I'm going to bet it won't work in your case, especially for a large credit card company that does this nonsense all the time.  They know the game, and know how to play dirty.\n\nJust because a loan has been charged off and closed does not mean you are off the hook.  The balance can be sold to a collection agency, and they can continue to try and collect.  Without looking at your agreement, I can't advise on how legal their intrest and penalty charges are.  But they will also threaten you with legal fees if they try to take this to court.\n\nCredit reporting agencies will report this debt for 7 years, after which they MUST remove it.  So check the dates, and if this is an old debt my suggestion is ride it out, then watch the report drop by itself.\n\nContact me if you need more info.
248393
Yes.  This has happened to me.  I am having a problem right now trying to get some stuff removed from my credit report.  The problem is that there are 3 credit bureaus and they do not share information so you have to contact all three - Experian, Equifax, TransUnion.  Use these sites to get free copies of your reports.\nwww.freecreditreport.com\nwww.annualcreditreport.com
432316
Call your bank now and see what your options with them are. A short sale on your credit report is not 1/2 as bad as a foreclosure.\n\nA neighbor of mine was going into foreclosure. They got the bank to accept a short sale instead. The agent listed the property well below market and ended up having a bidding war with 4 different buyers. They ended up $40,000 short of the fair market value but it actually paid off the note in full (no short sale), got them out without a foreclosure on the credit report and sold the property in 5 days versus 30-60 for a traditional sale.\n\nAs for the value falling... Do you owe more than the property is worth now? If not, there should be options for you.\n\nBest of luck!\n\nKevin 866-562-6838 x 106\nkruorock@firstratelending.com
346380
Call a mortgage broker, tell them you think you want to buy a house. They'll pull your credit report, and if you need advice on how to make it better, they're usually competent to give it to you.
219116
It sounds like they are bumping your reporting dates.  The law says the reports can only be on your history for 7 years, beginning the date of default.\n\nIf you have anything to show this, send the credit reporting agency a letter to protest it and have the listing corrected or removed.\n\nAlso send a letter to the creditor demanding that the "Validate" the debt.  That means that they must supply you with contracts, bills, recepts, and everything that was used to calculate what they claim you owe.  If they can't produce this information, the listing must come off.  Otherwise you can sue them for violation of the Fair Credit Reporting Act.\n\nRead the link below, along with a sample letter.\n\nAs for your student loan, it's not likely you can fight it, especially if it's a government backed loan.  It will drop off after 7 years.
242211
STUDLY GETS BETTER AND BETTER ALL THE TIME.  LAST TIME IT WAS A CASE HE READ ABOUT AND NOW HIS FRIEND IS A JUDGE.  GO FIGURE.\n\n\nTHE BEST THING TO DO IS TO CONTACT THE AGENCY AND TRY TO WORK OUT A PAYMENT ARRANGEMENT.  BE POLITE TO THE PERSON YOU ARE DEALING WITH AND THEY SHOULD RETURN THE FAVOR.  I KNOW, I AM THE ENEMY, THE "BILL COLLECTOR" THAT STUDLY HATES SO MUCH BECAUSE I KNOW THE LAW AND HE KNOWS HOW TO CUT AND PASTE THE LAW.\n\nANYWAY,\n\nTELL THEY YOU WILL MAKE PAYMENTS OF $xxx PER MONTH PROVIDING THAT THEY DO NOT TAKE JUDGMENT AGAINST YOU AND that THEY DISMISS THE ACTION UPON IT BEING PAID IN FULL.  IF YOU MAKE ALL YOUR PAYMENTS THEN THEY WILL FILE A DISMISSAL AND YOU WILL NOT HAVE A JUDGMENT ON YOUR CREDIT REPORT.\n\nIF THEY OBTAIN A JUDGMENT, THEN YOU ARE FREE GAME, THEY CAN GARNISH CHECKING ACCOUNTS, SAVINGS ACCOUNTS, PUT A LIEN ON YOUR PROPERTY IF YOU OWN ANY AND IF THE AMOUNT IS LARGE ENOUGH THEN CAN EVEN FORCE TO IN TO FORECLOSURE AND OR TAKE YOUR CAR, SELL IT AT AUCTION, PAY THE BANK OFF AND APPLY THE BALANCE TO YOUR JUDGMENT.  THIS IS CALL AN EXECUTION ON THE CAUSE OF ACTION, WE DO IT ALL THE TIME.\n\nI AM NOT TRYING TO SCARE YOU, JUST LET YOU KNOW WHAT PRACTICES A COLLECTOR WILL USE TO GET A JUDGMENT PAID.  WE SIMPLY DO NOT SIT ON THEM AND WAIT FOR SOMEONE'S HOUSE TO SELL AS STUDLY HAS REPORTED IN THE PAST. I AM PICKING UP A DUMP TRUCK TODAY WITH THE SHERIFF AND I AM ATTENDING AN AUCTION ON WEDNESDAY ON A HOUSE WE FORECLOSED ON BECAUSE WE HAD A JUDGMENT OF ONLY $27,000.  THIS IS A $350,000 HOUSE WE FORCED IN TO FORECLOSURE.  THIS IS WHAT WE DO, BECAUSE PEOPLE DON'T OR WON'T PAY THEIR BILLS.  WE DO NOT HAVE TO TAKE PAYMENTS, I HAVE SEEN NO LAW, OTHER THAN WHEN SOMEONE IS ON DISABILITY OR SOCIAL SECURITY, THAT STATES THAT ONCE A JUDGMENT IS OBTAINED THAT A COLLECTION AGENCY HAS TO TAKE PAYMENTS.  THE ATTORNEY GENERAL EVEN PUTS OUT A LITTLE PAMPHLET FOR CONSUMERS THAT IS FULL OF INFO, AND IT EVEN STATES- "ONE AN ACCOUNT IS IN DEFAULT AND TURNED TO A COLLECTIONS AGENCY, SAID AGENCY IS UNDER NO OBLIGATION TO ACCEPT PAYMENTS, IT IS A COURTESY, NOT A REQUIREMENT.\n\nALSO, TELL THEM THAT AT THE END OF THE PAYMENT TERM THAT YOU WANT THIS REMOVED FROM YOUR CREDIT, THEY WILL CHECK WITH THEIR CLIENT, THE WORST THEY CAN SAY IS NO.\n\nGOOD LUCK AND IF I CAN HELP YOU MORE E-MAIL ME AT\nicsowesmemoney@yahoo.com
119524
Would have been helpful if you would have provided the check amount.  Another way to deal with this, is to take the person to small claims court.  Along with the criminal side, you will get a judgement, which affects a bad credit rating as well. \nAgain, the amount the check was written for would be the determining factor.
336311
It means that they have not kept accurate records, and they are now unable to supply you with the copies of them.  \n\nBy law, if they can't validate the debt they can't post it on your credit report.  And it also implies they don't have a good enough case to take you to court.\n\nIf they don't validate it, put the issue and get it off your credit report!  If they won't remove it, sue them!\n\nI just did it, and won $1200 total from Equifax and a collection agent.  It's easy to do if you know the law and don't let them push you around!