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I have a judgement on my credit which has been paid now. With that being said and IF I cant get it removed, will I still get to a point where I will be approved for credit or will that dang judgement haunt me until it falls on in 5 MORE YEARS!!!!
I'm sure someone more knowledgable will give you a thorough answer, but if you are able to get it removed I don't see why it would continue to affect you!
There is nothing about paying a judgement that will get it removed from your CR. It will show paid. Normally in order to have a judgement removed you would need to show proof that it shouldn't have been there in the first place such as improper service, wrong person, etc.
IF you can get it removed it would be exactly like it was never there.
technically speaking depending on your state there are some places that allow removing satisfied judgements with a motion to vacate
RULE 60. RELIEF FROM JUDGMENT OR ORDER (a) Clerical Mistakes. Clerical mistakes in judgments, orders or other parts of the record and errors therein arising from oversight or omission may be corrected by the court at any time of its own initiative or on the motion of any party and after such notice, if any, as the court orders. During the pendency of an appeal, such mistakes may be so corrected before the appeal is docketed in the appellate court, and thereafter while the appeal is pending may be so corrected with leave of the appellate court. (b) Mistake; Inadvertence; Excusable Neglect; Newly Discovered Evidence; Fraud, etc. On motion and upon such terms as are just, the court may relieve a party or his legal representative from a final judgment, order, or proceeding for the following reasons: (1) mistake, inadvertence, surprise, or excusable neglect; (2) newly discovered evidence which by due diligence could not have been discovered in time to move for a new trial under Rule 59(b), (3) fraud (whether heretofore denominated intrinsic or extrinsic), misrepresentation, or other misconduct of an adverse party; (4) the judgment is void; (5) the judgment has been satisfied, released, or discharged, or a prior judgment upon which it is based has been reversed or otherwise vacated, or it is no longer equitable that the judgment should have prospective application; or (6) any other reason justifying relief from the operation of the judgment. The motion shall be made within a reasonable time, and for reasons (1), (2), and (3) not more than one year after the judgment, order or proceeding was entered or taken. A motion under this subdivision (b) does not affect the finality of a judgment or suspend its operation. This rule does not limit the power of a court to entertain an independent action to relieve a party from a judgment, order, or proceeding, or to set aside a judgment for fraud upon the court. Writs of review, of error, of audita querela, and petitions to vacate judgment are abolished, and the procedure for obtaining any relief from a judgment shall be by motion as prescribed in these rules or by an independent action. |
I've recently been approved for 2 credit cards with a paid judgment that's 2 years old, however I was also just denied for a private student loan because of the judgement.
I have a judgment slapped on from April 2010 - it is paid. I made it through automated underwriting for a house. I also was approved for a "care credit" account w/ a 1000.00 limit since then. it would be nice to get it vacated surely, but it's something you can live with. The impact on your score will fade in time.
PS: When you are working w/ them to pay it off, make it a conditin of payment that they submit the Courts the documents they need to have it vacated. I know another person here at MYFICO who was able to do that. She made payment arrangements, and after her last payment they will move to Vacate.
Thanks. I wish I would have done that prior to paying it but at least it is paid now. I just need to work on the motion to vacate. Who or where do I start in regards to this matter? I dont know what type of attorney I would call to have this filed.
Call a lawyer and ask if they can handle a motion to vacate ? If not who can they recommend...