Posts: 22,406
Registered: ‎01-17-2008

Re: Need Advice! Please Help

[ Edited ]

lo_nc84 wrote:

Good. The CC's are going on 6 years and are set to fall off in 2014. I have 3 will that drastically help my score? Do I start working on the $2500 medical bill or the judgement from the apartment complex? Since the judgement is shared am I still liable for the entirety of the $3200. Probably so.

Yes, the creditor can bring suit against all parties and for the same amount.  They can't collect more than the award.


How long has it been since the medical?  If you contact the OC they may be able to help with some kind of financial aid.

Posts: 24
Registered: ‎02-19-2013

Re: Need Advice! Please Help

They filed it in 4/2012 (medical) the apartment judgement was 11/2011. Originally all I received was a notice of judgement won for around $700 now its stated as $3185 with the original amount listed for $2900. I just never received anything besides the $700 which I planned on paying with my tax return. Then I noticed my report stating I owed them $3185. Its a judgement which they've already sued me so besides it falling of my credit in 7 years if I don't pay it I will always owe it?

Community Leader
Valued Contributor
Posts: 2,398
Registered: ‎11-29-2012

Re: Need Advice! Please Help

Since you don't have to pay the cards any time soon I would suggest cutting a deal about the judgment, since they can garnish your wages.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on 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.