05-08-2013 06:46 AM
OK here's one for the Judgment folks.
On all three reports they list a judgement against me and my wife. However, when I contact the court they don't have a Judgment listed even though there is a case number, but doing a deed search shows a Writ of Fi. Fa that was filed and the a Affidavite of Cancellation of the Writ of Fi. Fa. and niether list a Judge being involved.
When I asked the clerk of courts about it and my CR's, they said to send a copy of the cancellation to the CRA's to get it removed. my question is, does this sound right? Should i mail this in or should I call each then and email the copy that I have gotten.
Thanks in advance for any help you can give.
05-15-2013 07:43 AM
I have done more research into this and it seems that the Lawyer for this judgement sent in paperwork to cancel the Writ of FIFA, but did not actually send in the Satisfaction of Judgement to close the case.
Besides calling the lawyer, which I tried and haven't gotten a response back, is there something I should do? If I get a hold of him, I am going to see if he will just have the whole thing removed, but I am worried if I can't get a hold of them what I should do?
Again any advice is welcomed.
05-15-2013 09:19 AM
05-15-2013 09:32 AM
Thanks for the reply guiness.
It was a Consent Judgment and we did complete making payments. We thought we were stopping it from going to the courts, but it was sent anyway, and really didn't understand the difference at the time. I will send that in, just not sure, since the lawyers did not put in the Satisfaction, the the CRA's will still list it as the case is not offically closed.
05-15-2013 09:38 AM
05-15-2013 09:48 AM
Thanks again guiness. Just looked it up and it seems that they had 60 days and its almost a year. would that be grounds for removal from my record? I know, probably a lawyer question.
05-15-2013 09:52 AM - edited 05-15-2013 09:53 AM
I doubt it would be grounds for removal. It depends on your state statutes.
I would try what the clerk said and send in those cancellation papers. It's worth a try.
Do you know if the attorney is also a debt collector? What was the judgment for?
05-15-2013 10:09 AM - edited 05-15-2013 10:24 AM
They were representing Arrow Financial Services, for a CareCredit Account. that we fell behind on.
Thanks for your help. will try and send the cancellation to the CRA's and see if that will get them updated.
05-15-2013 11:04 AM
Leave to the wife, to get things straightened out.
She reached them and they are resolving it, but said it was like that because we still owed 7 dollars after them even sending a paid in full letter.
thanks again for your help Guiness!!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.