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A newbie's story, then a little judgement help?

Moderator Emeritus

Re: A newbie's story, then a little judgement help?

Yes, +1 contact the attorney.  See what you can work out.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 11 of 15
New Contributor

Re: A newbie's story, then a little judgement help?


Just contacted the lawyer. The 2010 judgement was for 8600, today with interest it is 10251. They said they would accept the original 5946 plus court costs and fees, 6500 even.

What is the safe sure way to pay them? Can they sell off the remaining balance? I want to be sure this is completely behind me. What documentation do I need from them?

Also, who reports to the CRAs it is satisfied? It is only on my TU report, I'd rather EQ and EX not be notified of it.

I know that's a lot of questions, I am so grateful for everyone's time!
myFico TU-715 EQ-778 (01.14.2013) WalmartTU-664 (12.12.12))

LENDER PULL EQ-766 EX-779 TU-713 (12.20.2012)
Message 12 of 15
Moderator Emeritus

Re: A newbie's story, then a little judgement help?

Judgements are actually reported by a third party that reports from the court records.  If paid/satisfied, talk with the attorney, and contact the court where it was filed and see what their process is to vacate or set asside the judgement.  Some courts do, some don't.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 13 of 15
New Contributor

Re: A newbie's story, then a little judgement help?

Although I really want it vacated, I don't mind as long as it's satisfied. Are you saying there is a third party(outside of the attorney and the courts) that notifies the credit reporting agencies of it's satisfaction? As of now there is no mention of a judgement at all on eq or ex, and I want to keep it that way.
I just need to contact the courts once satisfied and see how they proceed? Can I request that it only reports to TU?

Thanks again!
myFico TU-715 EQ-778 (01.14.2013) WalmartTU-664 (12.12.12))

LENDER PULL EQ-766 EX-779 TU-713 (12.20.2012)
Message 14 of 15
Highlighted
Moderator Emeritus

Re: A newbie's story, then a little judgement help?

There's a third party that goes through the courts records and reports to the CRAs.  If it's not reported now, and  you satisfy it, I don't think they would report it.  But I'm not sure of that.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 15 of 15