Ive seen posts here at myFico on dealing with Judgements. It pertains to which state you resided in when the judgement occured, and how long you've been living in your current state - that matters for some, like California. It's lengthy when you get into it, so get some coffee ready.
There's a poster here named Robert, whom IMO is fantastic at posting written laws. His posts inspired me to delve deeper and am now reading the FTC's Fair Debt Collection Practices and consumer websites in detail for my next letter. My new hobby is learning consumer laws.
https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-...
Excuse my exhaustion if that doesn't provide a link, no sleep last night.
All I've learnt is, with the amount of nuisance phone calls they, the CA give you, there is no law stating we can't do the same by mail - as I prefer not to do voice recordings and call. Also, while the CA quote how the Bureau's mandate that all information provided must be correct in posting - no arguement there - there is NO stipulation in regards to deletion of a tradeline. Amending a tradeline from negative to positive? Hells bells, I've seen the bureaus do that to one of my student loans after 7 years, which is now reporting as a positive tradeline for the 10 yr run.
They WILL delete or 7 years will pass. I'm a stubborn one, so they better be ready. Good luck and Credit Unions btw are invaluable resources! Never forget that. (gives internet high five)
Note: shopping cart trick. you'll see that in your travels when rebuilding. use with caution. small limit store cards that don't hardpull credit whom have 25+% APR's and will lower your AAoA yet decrease utilization IF they post - i've seen some that do - immediately, some that don't - take a month or 2 then won't update unless you use them.
Go Team Rebuilders.
