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I am curious if anyone else has had this problem and if there is anything that I can do here.
I had a judgment vacated and dismissed last month. Both EX and TU immediately removed the judgement from my CR. EQ on the other hand is refusing. I disputed the listing a couple of weeks ago and they changed the status to Satisfied. I immediately called and disputed again. Today I got the result notification and they changed the status to:
"This public record item has been updated to report as dismissed/discharged/satisfied/release."
They continue to list this judgment on my report.
What else can I do to get this removed? I am assuming that despite it reading with the above status, it still affects my FICO score in a negative way.
Any advise would be greatly appreciated.
Bump! I'm having the same problem. TU and EX removed my vacated judgement in less than 1 week after disputing online. However, EX just changed the status to satisfied after I've disputed it now 3 times online. I finally gave in and mailed a dispute last week. I tried several times to fax them documentation when I disputed online, but when I called to speak to somone at EQ they were not helpful at all.
Any insight on getting this removed from EQ would be greatly appreciated.
Thanks,
Fred
I would get a copy of the Certificate of Dispostion from the court, and mail them a copy. Explain to them at the judgemnt is dismissed and should be removed from the credit file.
Good question. I will give it my best shot.
Judgements are vacated by the court who issued them. However, it is probably not the court who made the post to your CR. So simple vacation of the judgment does not automatically include vacating entries made by other parties in your CR who indepently reported it to a CRA,. But simple logic should mandate any CRA to delete.a vacated judgment.
EQ is evidentally playing strict compliance BS with you, and requiring dispute witth the party that posted to your credit file with them before they will delete.
Here is my understanding of the process, and my recommendation for action.
Your course with EQ is to dispute under FCRA 611(a)(1) the posting of the now inaccurate judgment in your CR. The dispute process under FCRA 611(a) is called a "reinvestigation" of disputed information. What that means is that you first provide the basis for your dispute to the CRA, and they have the authority to concur and and remove, as TU and EX have properly done, or they can send the information regarding the dispute out to the party that posted the derog information. Once they have adice or alleged status back from the poster of the information, they are requried to do their own reinvestigation, and report the results bacvk to you within 30-days of the date of your notice of dispute. I think EQ is just putting themselves through unnesassary time and expense, and that the outcome is pretty certain.