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Is this hurting me and is there anything I can do about it?
Public Record - Equifax
TYPE Legal Item
COURT NUMBER 728VC00046
CASE NUMBER 11004736
DATE FILED Dec, 2011
STATUS Satisfied
DATE PAID Feb, 2012
AMOUNT $0
PLAINTIFF Suncoast Schools Federal Credit Union
ACCOUNT HOLDER - Individual
CATEGORY Legal Item
TransUnion
TYPE Civil judgement in bankruptcy
COURT NUMBER - -
CASE NUMBER 11004736 -
DATE FILED Dec 06, 2011 -
STATUS - -
DATE PAID Feb 13, 2012 -
AMOUNT $8,886 -
PLAINTIFF Suncoast Schools Feder -
ACCOUNT HOLDER Individual
CATEGORY Legal Item -
Experian isnt reporting it.
Was this judgment included in a BK and not actually paid ?
Yes that is correct
@Anonymous wrote:Yes that is correct
Oh ok, then you should be able to file a motion in the court to vacate it based on the BK in the court that granted it. There should be no problem granting the dismissal as the US BK Court trumps lower courts.
How do I do that? Is it even worth it? Will I see a point jump at this point?
@Anonymous wrote:How do I do that? Is it even worth it? Will I see a point jump at this point?
The clerk of the court should be able to help with the forms if not then you probably can find the forms you would need online. With a BK on file the removal of the judgment will be muted Fico wise as the BK is overshadowing everything. Its something you can do later if you want.
Both are discharged judgments, so they will remain in your credit report for up to 7 years from the date the court entered its judgment.
The judgment was apparently entered some time between 12/2011 and 2/2012, so can remain up until approx the beginning of 2019.
Removal at an earleir date would require getting the court to vacate the judgment.
Whether your state permits vacature of a judgment based on its discharge would require review of your state statutes/rules of civil procedure.
I live in FL.
if I can get it vacated will that affect the score?