A judgement has been placed on my credit report without my knowledge

A judgement has been placed on my credit report without my knowledge. I have contacted the apartment complex to whom placed this judgement. I went to the court house I was informed to contact the apt complex. I spoke to the manager, she informed me that she would contact the property manager and take care of the issue, that was back in april 2008 I have tried contacting her on several occasions and have left numerous of messeges no return call. In June 2008 I sent her a certified letter statin my concern, she signed the return receipt card verfiying that she received the letter, I still havent heard back from her. I in the process of trying to buy me a house What shall I do?
-----------------------
drive them crazy
did you not fullfill the entire lease
then move some where this is the only reason i can think of that you would not recieve summons
and have judgment rendered without your knowledge
-----------------------
http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm

legally dispute and validate this judgment
---------------------------
Get a free credit report ---Credit Cards ---Personal Loans ---Get legal credit repair---Debt Consultaion ---LifeLock ---

Fix my bad credit advice.

I have been reading so many sites and I'm totally confused.
I read your blogs and you see to know what you are doing.
I have been Self-Employed for about 6 years and to start my dream I maxed out my Credit Cards. Tough times hit and I fell into default.
We are selling our home and moving to TN and highly motivated to clean up our credit so we can adopt another child. I know that I have 2 judgments on my credit and they will be cleared once I sell my home.
My question is. Where do I start? Any advice would greatly be appreciated.
-------------------------
you start buy getting your credit report then
read this Raise my credot score fast quickly free
then read this Credit Help
----------------------------
Maybe my eyes are tired of reading today.
Do you have any information on your site about how to get judgments off of you credit after you have paid them. If I have overlooked it I am sorry for the waste of your time.
----------------------------
judments are very hard
but this lady seems to think she knows
read this
Almost 99% of the time for me, there are probably 5 addresses on mine, or others report that are actually on there wrong
anyways, even the slightest mis spelling or backwards address is wrong, so I would either say not mine, unless I do it online, it automatically says "I have never lived there" so I delete all those addresses. They will delete them the first time, especially of you add a fraud alert first. So I send a letter saying please delete the following addresses as they are incorrect: 1,2,3 etc. If you do it online you may actually have it done within 10 days -2 weeks.
Then do the same on another letter with each additional item, such as dob, aka's, etc.
After you get this back you can have a hay day deleting stuff, because the creditors have to be able to connect you in some way to that debt, and if there is no address that is the same as the one in the debt, they will delete it. Its so fun to get credit reports back with 10 things deleted. :)After you have the bare bones on your credit reports, dispute the judgement and sometimes even after the 1st try, you'll get it back clean! :) I just deleted a BK off my parents report doing this as well. Please let me know if this works for anyone, It really makes me happy when I can help someone. I started learning about this after I had identity theft, and had to fight for years. I kinda got it down to a science, although I did find a cool site tonight that taught me some things. http://www.creditinfocenter.com/rebuild/debt_validation.shtml
I have always only worked with the actual credit bureaus to delete things and never really the actual creditor until recently with companies like RJM collections, and other "bulk" collectors. This was a new technique I have never tried until tonight, so I have some mailing to do tomorrow for my husband. lol
Well, I hope you have a great night and if you need any help. Let me know and let me know if you get any success.
Thanks again for your always interesting and informative posts online. :)
-------------------------
I just want to make sure I understand this that I read. If I have a card in collections, I should contact the original company offer a settlement and see if I may reopen the account?
--------------------------------
no
if you call the original creditor you should offer to pay it all and some extra if they will open the same account back up and let you start over.
After 12 months ask them to report only the past 24 months activity offer settlements or reduced payments to collections that do not pay but 20 cents on the dollar

Need some credit advise on a judgment

I want good credit and have been freed of a bad marriage as of two year ago. With backed up bills and child support it took me a while to get my self in a position to pay these way over due debts. I had 9 debts in collection and have settled all 9 of them as of 3Jun08. My current score is 578 but I hope to see growth with in the next year. Being that I settled these accounts how do I go about removing paid settlements from my credit report and how long will that take?
-------------------------------
Hi there, thanks for the reply. :) Almost 99% of the time for me, there are probably 5 addresses on mine, or others report that are actually on there wrong anyways, even the slightest mis spelling or backwards address is wrong, so I would either say not mine, unless I do it online, it automatically says "I have never lived there" so I delete all those addresses. They will delete them the first time, especially of you add a fraud alert first. So I send a letter saying please delete the following addresses as they are incorrect: 1,2,3 etc. If you do it online you may actually have it done within 10 days -2 weeks. Then do the same on another letter with each additional item, such as dob, aka's, etc. After you get this back you can have a hay day deleting stuff, because the creditors have to be able to connect you in some way to that debt, and if there is no address that is the same as the one in the debt, they will delete it. Its so fun to get credit reports back with 10 things deleted. :)After you have the bare bones on your credit reports, dispute the judgement and sometimes even after the 1st try, you'll get it back clean! :) I just deleted a BK off my parents report doing this as well. Please let me know if this works for anyone, It really makes me happy when I can help someone. I started learning about this after I had identity theft, and had to fight for years. I kinda got it down to a science, although I did find a cool site tonight that taught me some things.
I have always only worked with the actual credit bureaus to delete things and never really the actual creditor until recently with companies like RJM collections, and other "bulk" collectors. This was a new technique I have never tried until tonight, so I have some mailing to do tomorrow for my husband. lolWell, I hope you have a great night and if you need any help. Let me know and let me know if you get any success. Thanks again for your always interesting and informative posts online. :)

Divorved my husband 2 years. His health care judgement on my report

I have been divorced for 2 years,I kept my exhusband on my health care plan, He ended up in the hospital never paid his bill I got a judgement put on my credit for 1984.00 in 12/2007 can they due this?
I never knew anything about it until I pulled my credit in 3/2008 .
Do I have to pay this?
----------------------
it seems you would to have had knowledge of any judgment. if you were not served papers, and you only had insurance for the man and were not married to him then, I would think you could just dispute the judgment and it would come off. Say not your account
If this does not work i would investgate the court records at what ever court rendered judgment, hopefully the place is close.
i would also call the hospital and confront billing and see if your name may have been used without your knowlegde as a responsible party which is likely since you state it was your insurance.
there might be a possiblilty that your insurance would not pay since you were not married.
In any event i do not believe this should be on your report

How to remove a judgement from my credit report

The last post (below) was incorrect. Years ago the CRAs used to employ people directly and they would haunt their local courthouses documenting and uploading information to the CRA. Things change. These Poltergeists no longer work for the CRA directly. There are now companies that act as "middlemen" in the public record information business and these folks now work for the middlemen. One such company is LexisNexis. No courthouse in this country reports to any CRA EVER. It is all public information and someone pays someone to sit at the courthouse and upload the information. Our courts have better things to do and better ways to spend money than uploading information to a CRA whether its the big 3 or one of the middlemen. The big 3 purchase public record information from the "middlemen".
Now, there is a hole in case law big enough to drive a C130 through. When you dispute with a CRA, they send the ACD back to whoever the middleman is. It does not go to the courthouse. This particular step I don't have an issue with. The CRA has done what they are supposed to do, asked the provider of the information to verify. From this point on is where the CRAs as a standard practice violate.
#1. The Middleman does nothing but look at what is already contained in its database. Mind you its the same database from which the information emanated to begin with, of course the information reported is what's contained in its database matches the information reported. The Middleman as a standard business practice violates the FCRA by failing to perform a "reasonable investigation" in response to a consumer dispute. They must go beyond the database per Johnson v. MBNA. The Middleman does not go back to the source of the information.
#2. If you send documents via the normal channels (this goes for all documents including but not limited to certified copies of documents from the courthouse), the documents will be ignored by the big 3. This violates the FCRA, they are obligated by statute to consider information provided by the consumer. They tell you outright that they will not consider your documents. #3. If the information is verified via the middleman, and 99% of the time it is, the big 3 will send you back the notice stating that the information is verified. They will NEVER tell you about the middleman. They refer you back to the courthouse from which the public record allegedly was obtained. This is a violation, they should inform you where they actually obtained the information, the middleman, NOT the courthouse where the information allegedly originated.
If you are having a problem with inaccurate public record information here is what you should do ... Now bear in mind, my advice is always geared toward both solving your issue and helping you lay out a basis for a lawsuit. Should you decide not to sue, that's fine, but if you do want to sue you will already have all the groundwork laid out before you visit an attorney. Dispute the normal way through the normal channels first ... Once they have responded claiming it is verified, write them back and specifically demand that the tell you who the middleman is and their address. You need to address the middleman's records. Now you need to dispute through the middleman, they may not be on the internet, they may not advertise a channel for you to dispute their records. Why? because they know that most consumer's aren't aware of their role in credit reporting so it is rare that a consumer is savvy enough to dispute directly with them. However, this is of no consequence, they are Credit Reporting Agency as defined under the FCRA and they are obligated to follow the FCRA.
Now, while you are in the process of doing the above, obtain certified copies of documents from the alleged source of the public record information. There are to many possibilities to list them all, but for one example, The CRA is reporting a judgment against you when in fact the case was dismissed. Get certified copies of the dismissal. Now dispute with the CRA via the registered agent, CMRRR, and include the actual certified copy of the dismissal. Do not send a photocopy of the original, send the original. This will likely land you in "special handling" and likely solve the inaccurate reporting with the CRA. If it does correct the problem with the CRA, you still have actionable claims for having failed to accurately inform you of the real source of the inaccurate information. If it doesn't then you now have done everything you need to do prior to filing suit. Follow the same pattern with the middleman, including demanding to know the name and address of the middleman if there is another one. Then dispute through the middleman's registered agent including a certified copy if verified. Even if they do eventually correct the issue, you need to evaluate whether or not they violated. If they don't correct the inaccurate information, you are now in a good position to sue both the CRA and the middleman
----------------------
boy that is a mouthfull
i would say i have learned something here in most cases, people are trying to get accurate information off their reports early and court documents once put into a "database" or whatever should not alter much or have much to negotiate.
If I get a question from someone who has incorrect court documented public records I will refer to this post

Fix my credit. Prioritize judgments and collections for payment and negotiation

I recently found your website while browsing "credit help". You have provided some useful tips, which I plan to use. My past credit history is pretty bad (mostly charge-offs and one judgement for a medical bill), although somehow I have managed to obtain a high interest car loan and 2 lines of credit in the last 2 years, with no late payments. I am a divorced mom (deadbeat ex, no child support, left me with bills, etc..) I am now at a point where I can TRY to pay off the old unpaid bills and chargeoffs (anywhere from 2-7 years old). My question is How do I prioritize which ones to pay first? I can't do them all at once. Mostly they are several small medical bills which have gone to collection, a couple of department store cards written off as charge-offs and then duplicated by collections, and one small utility bill that went to collections. The largest is the judgement (medical bill) for $1200.00. Suggestions on prioritizing? Which ones should I try to negotiate?
------------------------
forget the judgment if it is more than 2 years olds
as nothing more can be done to your credit and paying it probably will not help

With the collections i would go, one by one, with the debt validation and follow ups.if they can validate the debts
then negotiate as best you can and hope for the best.
start with the collections that are the freshest and the least.
then work your way to older and higher as you go.

how long do judgements stay on your report and can you have them fremoved after the time passes

What is the time that judgements and collection items are allow to stay on your credit reports. And after that time has past and they are still on the credit report, Can I request for them to be remove?
-------------------------
7 years
yes you can
use this form
www.oskie.com/credit-dispute.htm

Judgment not mine but Experian and Transunion will not remove it

I have a judgement on experian and transunion that is not mine. I have disputed the judgement with both and followed up with three amendments to transunion. All have been rejected. First and last names are the same as that on the judgement but that is all that is similar. I have obtained a copy of the judgement giving the spouse’s name (judgement was for unpaid hospital debt from spouse’s hospitalization) and accompanied that with a copy of my marriage certificate showing that I have been married for 32 years and that my spouse’s name is not the same as that shown on the judgement. I have also included voter registraion and tax information showing that I have never lived at the address of the individuals named in the judgement. I also included a letter on attorney’s letterhead (faxed and unsigned?) from the attorney filing the judgement for the hospital to a mortgage company (recently handled my new home loan). The letter states that the social security # of the individual named in the judgement does not contain the same last 4 digits as my SS#.
------------------------
contact your state attorney general
he will slap the court and judges head

and you will the info you need to get experian and transunion to wake up
http://www.oskie.com/credit-dispute.htm

Judgment paid in full but shows balances owed on my credit report

I have a question regarding a judgement that was placed on my credit. It was through a small claims court and I paid it all of the day it was due. I have documentation to prove it. Is there any way I can get this deleted from my credit ort does it show as a pay off?
--------------------
www.oskie.com/credit-dispute.htm
go here and dispute the acount as paid in full

it should show paid in full zero balance
but
the judgment will show on your report for 7 years
after 2 years pass the judment will not hurt your credit
if
you keep good current open credit that is reported to bureaus

Judgment from local hospital. Negotiate a settlment

The local hospital took me to court and consequently got a judgment againstme (my property) for $1,400, now it is up to $2,360 with interest. In 2years it will be off my credit history according to one credit report fromone of the credit bureaus.I contacted the hospital to see my balance and that's when they told me theabove. They sent me a form to fill out agreeing to have my credit checked once again and asking total financial info , notarized, etc. I don't want todo this, but would rather send them a negotiation letter from your web site. What is the amount I should offer them to settle this. It has been since 2003 since they got the judgement. I did make a few payments after court, but then finances became so unbearably tight due to disability and no incomethat I stopped making payments. Now I would like to settle it. The rest ofmy credit report is good except for this so I'm looking to clear it up - oneday I may need it.
-----------------
40 cents on the dollar

Debt sent to court and judgment against rendered.

I am having debt credit issues. I have some creditor that is taking me to court. and i have check on my credit report that i have a judgement againts me. Is there anything i should do ? i would like to know if Lexington Law works if it does, well they be able to take those judgment of my credit?
---------------------
no help there
judgments are a matter of law and public record that will not change
pay it fast so it at least shows paid
get it 2 years behingd you and get new good credit to overlap the past bad credit

Remove a paid judgment on my credit report. Who reports judgments?

I checked my credit report and on one of the credit reporting agency's it shows a judgment was put on my report. Do you know who reports this on my credit? The reason I am asking is due to this judgment was satisfied before the 30 day deadline and I am concerned that the plaintiff, not the courts, reported this. It is reported as satisfied, but not sure how or why it would be reported on my credit.
When somebody is placing something on a consumer's report, do you know if they are required to provide my social security number or my driver's license number? My concern is that if the plaintiff reported this, I never provided her with my social or my d.l. number. nor was a contract of any sort signed providing the plaintiff with my information.
I have tried to find out this information from the credit agency, but have not had any luck getting a straight answer. If the plaintiff reported this and has my information, what can I do about it, as it would be pretty unnerving to know that she illegally got hold of my information. I really need some advice on this, as this small judgment ($479.00) that was paid and showing as satisfied on my report has hurt me when applying for credit. The plaintiff used to be a friend of mine and was very upset that she did not get the $4000.00 she was trying for and I worry that she may be trying to damage me by doing this...if she reported this and not the courts.
---------
courts report judgments
not random people
these are public records in court archives

you might try the debt validation form
if you know what court
if you don;t know
you can dispute the item with each affested bureau and an adress and phone must be provided

find the forms here

all debts have to be valid line of legal documents

I would say go on and remember. Court equals bad.
the goal here is noo lates on 3 - 4 open accounts.

everything reported bad
ie: judgments
more than 2 years old
pay and go on

Paying off old charge offs and a judgement. My credit score

I am paying off old charge off accounts, will this have any impact on my credit score. In addition, I had judgement placed in 1999, I paid it in full 10/2000. It should have been removed in 2007. Once this is removed, shouldn't my score improve? I have paid off 4 charged-off accounts this year. I live in Texas and these accounts, not all were paid delinquent when I divorced in 1997.
---------------------
it should help some. but if you have new current good credit, which one has to have, to have good scores. Not more than 20+ points.
get and keep new good credit.
---------------------
What do you mean, " not more than 20+ points?" Do you mean that paying the old bills will only increase my score by 20 points or new good credit will increase by 20+ points
-----------------
what is your score now
do you have 3 open rated lines of credit now
I mean if you have good credit now and the charge offs are more than 2 years old your credit score should be pretty strong already
-------------------
I do not know my score. I have not checked it since 2000. I am sending for it this month, and yes I have 3 open rated lines of credit.
-------------
One should know the score and have a copy of the report
Good.
You are on the right track.
Negotiate with and pay off old charge offs. Vaildate any duplicates.
-----------------
Well, I got a copy of my score and it is 589. My plan is to pay down my balances, and pay off accounts. I am currently paying accounts, but these accounts have already been charged off, but I have an obligation to repay. How long will it take me to raise my credit score to 650. I want to purchase a new car, hopefully in June.
----------------
I would dispute some old stuff and hope
paying something off will help you greatly
june is 9 months from now.
with 3 open rated lines off good credit, some paid, some removed, 650 is reachable. Of course I never know for sure till I do it.
You can. Go for it.
--------------------
I was looking over old emails
and
your score could jump way over 20+ points and
could go up to 650
if
you keep 3 open lines of credit that are reported to bureaus and owe less than 80% on the credit limit of each.
Validate legally / then / Negotiate any old bad credit Read this page

be sure to negotiate with original creditors.
be sure to validate any duplicate charge offs
like a collection thats is also reported from a credit card or hospital or utility.

This is the right answer.
Sorry for the mumbo jumbo

need 40 more fico points before i can get a home loan. Judgment

O.k. so I need 40 more points before i can get a home loan. I have a 1500.00 judgment on my credit, the loan guy said if i pay that off and have it satisfied then disput it then my points should go up the 40 i need. Is that true?
------------------
probably right
you can never tell till your try.
sounds about right though
I do know that judgments are subject to the 7 year on your credit problem. So if they take the judgment off it will be a miracle.
-------------------
So you agree that once you pay off a judgment and have it satisfied and then disputing it with the creditors that It WILL raise my points??? How many points do you think?
Thanks!
----------------
you never know till you try
I dont know
I doubt it will work but if the judgment came off it would raise your score 40 points or more.

Two judgments on my credit report. One hospital bill and one telephone bill.

I have two judgements on my credit report. One a hospital bill and one a telephone bill. How can I have these removed or at least turned into collections? Also I am trying to raise my score ASAP. I want to purchase a home in the next 6 months but my score is in the mid 500's any advice on that.
------------------
Thats what those bills do when i move and let them get by. Bad things happen fast. 30 days. Judgments are terrible since they usually executed in court after 365 days. LOOKS BAD.
Judgements will remain on my credit report for 7 years but will not hurt me much, if satisfied 2 years before today, and I have new 12 months no lates reported to a credit credit bureau like Equifax, Transunion and Experian.
I open the telephone back up / ask for credit help
I pay the hospital bill / ask for help before I pay
I talk and beg before I pay
I validate and dispute anything I can not confirm personally.
I keep good current open credit
Re Flect on this webpage.

Insurance paid 80% and charged other 20% deductible unpaid. I have a judgment

I had a broken hand repaired by a doctor who was referred by a mutual friend, another doctor. He accepted my insurance which paid 80%. He never told me verbally I would be responsible for the other 20%, though I may have signed something to that effect with all the forms signed. He wanted over $2,000. Then he lowered the amount to about $1,800. i paid over $800 but started paying $20 a month because I couldn't keep up with the agreed payment plan. He sent it to a collection agency. The agency says I now owe about $2,600-$2,800. Since that time I moved out of state and found out on my credit report that thea gency has sent it to court in NJ. They don't know where I live so I guess that is why I have not been server a summons to appear. Do I have rights because I was paying? I never signed any agreement, it was verbal. I stopped paying when the collection agency contacted me. Or should I bargain? Seems I am getting the shaft!
-----------------------------
Any resonable person knows they have to pay the other 20%. You should have paid. No excuses.
When a creditor accpets a payment plan they cannot collect the full amount if one stops paying unless they go to court and you do not defend yourself. You didn't and now have a public record. This is a lawyer thing though. I am not sure what your legal rights are.
If you are being sued in court you need to find a lawyer anyway.
Are you being summoned to court?

4 collections a judgment and some good credit with a credit card. My equifax score is 595.

You are a gift from god, man i have learned so much just reading your blog, i have 4 collection accounts on my credit report. plus i have a judgement from capital one. i read everything you wrote about the judgement. i would like to know is there any way i can have it removed. the credit card company capital one didn't send me any thing, i wrote to them, before the judgement came, asking for verification they never responded, this was this year, so if i wait for the 7 years, i would be in debt. for ever, but since i am making the best of a good thing, i have a medical condition and most of my income is from the government. disability, like most Americans barely making ends meet. i need to get the 3 credit bureau's, i think you said dispute them. they are all collections except the judgement. i have one credit card in very good standing a master card with capital one, the same company that gave me the judgement. i want to tranfer the card to another company but i am not sure they would take me because of the judgement. (transfer card). from me reading you said to get 3 credit cards pay them on time and that will raise my credit score? right now i dont know the score for all 3 only one. eguifax. their score for me is 595 what do i have to do to raise it to 650-700 with all 3. i dont care how long it takes. i just bought a printer on credit, i paid it of should i ask the company to report it to the credit bureau? would it make a difference?. i want to personally thank you for your blog. you make things a lot easier with your writing and understanding.
sincerely yours,
-----------------------
I would open one of these is I could. Get the total visa. I trust them. If they turn me down I call and send money to get them to approve me. Use it to buy gas each month and pay more than you charge each month for 12 months.
If the company you use right now does not show on equifax it might be on another bureau. I would call the creditor and ask them which if any bureau they report to. If none cancel and find someone else who does. Pay them off before you cancel though. Some creditors only report bad and closing accounts with outstanding balances if regarded as bad credit.
Think small right now but think good reported credit 3 lines of it.
Judgments is a 7 year thing no matter what. Someone went to court and you didn't I guess. A judgment was rendered and now you have one. They cannot be removed or negotiated. You can try to dispute the judgment as not yours. I doubt it will work though.
-----------------------------
thank you for emailing me back, i dont understand, the judgement call, so are you saying just wait the 7 years. even if i paid the judgement on i couldn't get it removed.
---------------------------
yes judgment is a done deal
you might get lucky with a dispute say it is not yours i guess.

judgment are recorded in court documents and one was found against you.
Judgments are impossible. Just wait and get new good credit
after 2 years pass and you have 2 years of good credit. the judgments will not hurt your score as much.

Civil Judgment in court on rent with stipulation of agreement.

My credit report shows a Judgement in Civil Court. This actually was never a judgement. My previous landlord took me to court for back rent. Once at Court we discussed a settlement and a "Stipulation of Agreement" was filed. I paid as per our arrangements (in full and I have the receipts and letters from him stating so.)

My question is how do i dispute this? Also the reason I was paying my rent late was because I was awaiting a decision from Social Security regarding a Disability. The Case took three years and I was approved and I did receive retroactive payment from SSA. i also have the documents to prove this.
-------------------
I am not a lawyer
I do not know if a stipulation of agreement is a finality of a judgment or something other than a judgment.
Something happened in court. Which is always BAD.

The ssa stuff is meaningless as far as credit goes.

I would dispute the article and say error. No Judgment rendered.

www.oskie.com/credit-dispute.htm

Judgment, Judgments

I have a judgment against me involving an auto accident several years ago. Actually, it was my son who was in the accident, and the woman he hit sued. The case was settled through the insurance companies. I paid nothing out of pocket with regard to this lawsuit. So imagine my surprise when this judgment turned up on my credit report. I am having difficulty with credit following my divorce several years ago, and I'm trying hard to fix things, but this judgment is causing a problem and I don't know why it's there or how to get it removed. Can you help? This judgment also shows on my son's credit report. He's 24 and just starting out, and this is a big problem for him as well.
----------------------
If you were in court or did not show up to court and could not be found to present your side of the case, then I understand. If I can't help but let it get that far and it goes to court. Credit will be affected.
If you think it should not be there, then dispute it and see what happens.
Then make contact with the findings and see if something is wrong.
www.oskie.com/credit-dispute.htm

Judgments

Good Morning and thank you for your website its awesome. I do have a question regarding judgements. How can I try to argue an old judgement? Is there any way short of paying it to remove from public record part of my credit. Thank you in advance for your time and reply.
-----------------
Once a Judgement always a judgement
You have to pay by law but your report will not show wether you paid or not. That is the courts job.
If the judgement is too old you can dispute it to get it off.
Credit Dispute Form