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Credit app after judgments removed? Denied.

Member

Credit app after judgments removed? Denied.

I had 3 judgments removed last week from all 3 credit bureaus. My credit is now clean. Got excited and applied for a Cap 1 card, but was denied due to "legal action pending against applicant." There's nothing negative on my credit reports at all. Anyone else have this happen? I feel like they are basing this on my old reports which still had the judgments.
13 REPLIES
Community Leader
Valued Contributor

Re: Credit app after judgments removed? Denied.

I would call them. Sounds more like they have legal action pending against you.


EQ 679 EXP 700 TU 763
Regular Contributor

Re: Credit app after judgments removed? Denied.

try the recon line. http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066


Starting Scores: EQ 598, EX 566, TU 550, 3/31/13 ....... Goal Score: 750
Current Scores: EQ 744, EX 748, TU 733 ..................... Inq: EQ: 2, EX: 4, TU: 6

Member

Re: Credit app after judgments removed? Denied.

I didn't stop to think that one of the removed judgments may have originated with Capital 1. Dumb move on my part.
Regular Contributor

Re: Credit app after judgments removed? Denied.

It happens; welcome! I have also seen this when a Lis pendens  has been filed. Any real estate issues going on?


Current Score: EQ753 TU769 EX778
Goal Score: 800's once again


Note to self: Garden. Must garden till 3rd Qtr, 2018
Member

Re: Credit app after judgments removed? Denied.

No real estate issues. Does Capital One search county court records in that 60 second instant online approval ?? Even tho my judgments were removed from my credit reports, one is unpaid.
Established Member

Re: Credit app after judgments removed? Denied.

The change by Equifax, Experian and TransUnion will take effect July 1, 2017, as part of a plan to ensure that consumer identifications in the data are accurate and current.

 

So Cap1 cannot see the Judgements via credit reports. My guess is that Cap1 might be one of those that were removed. That would be the only way of knowing.



7/1/2017 FAKO Score by: CreditWise (Cap1) 645.

7/22/2016 Scores by MyFICO: Exp - 595 TU - 607 EQ - 621
7/20/2016 Scores by CCT: Exp - 595 TU - 597 EQ - 613 (SOME ITEMS DIDN'T UPDATE)
6/20/2016 Scores by CCT: Exp - 586 TU - 592 EQ - 603
Starting FAKO Scores were all low 500's Aug 2015.
Member

Re: Credit app after judgments removed? Denied.

Thanks for the replies. I am wondering if creditors are using other methods to check for public records now that so many are being scrubbed from credi reports.
Community Leader
Epic Contributor

Re: Credit app after judgments removed? Denied.

Removal of public record information from a consumer's credit report is not always based on the information no longer being posted in the public record or a determination that the debt is not owed.  Unless the court has formally vacated the judgment, it may still be enforceable even though excluded from the consumer's credit report.

That is particularly true in view of the new National Consumer Assistance Plan being implemented by the CRAs, wherein the CRAs are removing some judgments based only on not meeting certain verification standards of including a full name and an SSN or date of birth.  Removal under the National Consumer Assistance Plan is thus not evidence of lack of validity or enforceability of the judgment.

 

If a creditor is aware of a public record, such as via their own internal business records or their own search of the public records, they are not precluded from using that information simply because a CRA either has not found the public record information or has removed it from their files based on their National Consumer Assistance Plan.

Regular Contributor

Re: Credit app after judgments removed? Denied.

Have them in written form. They can also ask for fax version of the dropped Judgements.