04-08-2013 07:31 PM
I was so excited to have this judgment removed.... ya know, cause they say it brings your score way down. I checked today with TU and my score went back up only 4 (FOUR) points after the removal. This is such bologna. I have the lowest score out of all three with TU. I know, I know, they want me to give up but not gonna happen! I'll update you guys again when I make more progress.
04-08-2013 08:02 PM
Congratulations on all of your success!
I have a question ...
has anyone ever had Cap1 delete a collection? I read a lot about that and then followed procedure with exec off and had my collection deleted. Now, it is also on as a judgment so I thought they would delete it also - not so. I wrote a letter to the judge showing her my letter from Cap1 asking for removal, they just sent me a copy of the "satisfied" judgment which does not help because I want it off !! I just sent in a motion to remove it with my letter from Cap1 stating they were removing it from my credit report. Why won't they remove it ! I really don't understand.
Oh, I've also called the attorney that handled this. Seems to be some big law firm that does nothing but collections and everyone I talk to over there keeps telling me they didn't put the public record on and they have nothing to do with it. Bologna! They didn't. Neither does the courts. The CRAs hire 3rd parties to go out and gather all that from the courts.
I'm going to the courthouse to get the documents for this public record to find out if there's anyway I can have it vacated. Have no clue what to look for. I may have to consult with an attorney. Advice anyone?
04-08-2013 08:11 PM
04-08-2013 08:14 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.