2nd secure card

[Nola_Bee]

Hi guiness! I'm going my states courthouse on tomorrow to inquire about vacating a judgement. It has been paid since May 2013.. it was originally filed in August 2012. I live in Ohio. Do you have any suggestions on how I should go about handling this? I appreciate any help you can provide. 

[guiness56]

; (4) the judgment has been satisfied, released or discharged, or a

prior judgment upon which it is based has been reversed or otherwise vacated, or it is no longer

equitable that the judgment should have prospective application;

Based on Ohio's Rule for Civil Procedures Rule 60 b(4), it can be vacated once satisified.  I would contact the court clerk and ask how to go about that.

[Nola_Bee]

Thxx so much guiness! I'm gonna try to do this myself.. fingers crossed lol ..I talked to 2 attorneys and they want $1500 to do this.. so hopefully I can save myself that expense.  

[antdave93]

I live in new jersey
Those are the only ones on transunion and Equifax
Experian has a old comcast bill and a collector eastern recovery
Same account i was told,neither show a balance,but eastern recovery has a No status.
I disputed twice and it came back valid. But on my experian fico reports it does not show Comcast only eastern recovery

[antdave93]

Make any sense? It dont to me.
Experian is like my red headed step child
Giving me all the problems

[antdave93]

Almost forgot transunion scores just went from 595 to 642 today
And it states my score is helped by long credit history
Thats why i am hesitant to delete my oldest account
So thats almost 50 points without me doing anything
You see my point? Its crazy!

[antdave93]

I must confess, this whole rebuilding credit thing has been mentally draining. With all the letters,phone calls, disputing and begging. A month ago i was just like whatever.
But the only thing that keep me going is one day buying a house for me and my two boys. I at least owe them that for my past dumb financial mistakes.

[guiness56]

New Jersey also allows for vacating a satisfied judgment:

RULE 4:50. Relief From Judgment Or Order 4:50-1. Grounds of Motion

On motion, with briefs, and upon such terms as are just, the court may relieve a party or the party's legal representative from a final judgment or order for the following reasons: (a) mistake, inadvertence, surprise, or excusable neglect; (b) newly discovered evidence which would probably alter the judgment or order and which by due diligence could not have been discovered in time to move for a new trial under R. 4:49; (c) fraud (whether heretofore denominated intrinsic or extrinsic), misrepresentation, or other misconduct of an adverse party; (d) the judgment or order is void; (e) the judgment or order has been satisfied, released or discharged, or a prior judgment or order upon which it is based has been reversed or otherwise vacated, or it is no longer equitable that the judgment or order should have prospective application; or (f) any other reason justifying relief from the operation of the judgment or order.