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07-17-2017 08:19 AM
07-17-2017 08:31 AM
07-17-2017 08:55 AM - edited 07-17-2017 08:57 AM
It happens; welcome! I have also seen this when a Lis pendens has been filed. Any real estate issues going on?
07-17-2017 11:23 AM
07-17-2017 11:43 AM - edited 07-17-2017 11:43 AM
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.
07-17-2017 12:22 PM
07-17-2017 12:24 PM - edited 07-19-2017 06:45 PM
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.
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