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Contributor
Posts: 90
Registered: ‎09-06-2007
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Re: Paid Judgment Removed

I have three paid judgments due to medical issues. I would be extremely grateful if you could send it to my inbox too.

 

....and CONGRATULATIONS!!!!

2/2015:
EQ: 631
TU: 650
EX: 622

In the garden until 1/2016...
Frequent Contributor
Posts: 392
Registered: ‎03-29-2011
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Re: Paid Judgment Removed

Wow, congrats!!!!  Could you PLEASE PM me too :-)

 

Thanks!


Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


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Valued Member
Posts: 40
Registered: ‎06-11-2011
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Re: Paid Judgment Removed

I have a judgement as welland would love if you could PMme the info as well. thank youand congratz Smiley Happy



Starting Score 12-2011: EX 640 FAKO TU 550 FAKO 6-2011
Current Score 3-2012: EX 635 TU 603 myFICO 3-2012 EQ 670 MyFICO
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Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
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Re: Paid Judgment Removed

Check your court records and see if these are "STIPULATED JUDGMENTS." - which i understand, many of the medical and small collection judgments are.

 

If so, then they are not like a regular judgment.

 

They can be deleted from your reports and the public record as long as you get a "Satisfaction of judgment" from the party that got the judgment against you.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Valued Member
Posts: 55
Registered: ‎02-01-2012
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Re: Paid Judgment Removed

Hi Booner, What do you mean by "stipulated judgment"? How do you find out if it is or not? Thanks

Starting FICO's (9/26/2011) EX 586, EQ 575, TU 584
Goal: 650 across the board
Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
0

Re: Paid Judgment Removed

A stipulated judgment is a judgment that stipulates you pay and they don't sue you, I guess.  It's a quicky and easy version of a real and true judgment.  And I'm no lawyer and what I learned about them was through getting my judgment vacated that I thought was a real and true judgment but was really a stipulated judgment, that I still didn't know was a stipulated judgment until not long ago when the CA and I finally came to an agreement of sorts, to get all the crap off my reports.

 

I, imagine, LG, that since you and I (i think it's you, right?) have the same CA - that yours is a stipulated judgment, too.  PCS had me believing ALL THAT TIME it was a real judgment, even though it was paid, knowing I needed it off my reports for the house. 

 

I'm sure that the name for "real judgment" is not "real judgment."

 

Hope some of this makes sense - I had a coupla drinks.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Valued Member
Posts: 55
Registered: ‎02-01-2012
0

Re: Paid Judgment Removed

Booner, I have 2 judgments... 1 that's been paid since 2007 which I'm trying to get vacated now and 1 that popped up at the end of last year. (I'm currentl paying on that one) I also did a DV with PCS for 4 accounts and they verified each one so I'm paying them off too. I could NOT get a PFD with them and didn't want to be sued so I'm paying them off with monthly payment arrangements. Thanks for responding

Starting FICO's (9/26/2011) EX 586, EQ 575, TU 584
Goal: 650 across the board
Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
0

Re: Paid Judgment Removed

Check and see if it says "stipulated judgment" on it.  If so, it's gone.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
New Contributor
Posts: 64
Registered: ‎02-06-2012
0

Re: Paid Judgment Removed

could a get a copy also

Established Contributor
Posts: 662
Registered: ‎01-24-2008
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Re: Paid Judgment Removed


Cherriwyn wrote:

After going back and forth with Transunion for several months my last paid judgment was finally removed.  My score increase 11 points!!!!  This has definitely been a good day!!!  Thanks for everyone's help!!!



Feels great to get that monkey off your back. I know. I didnt see point increase but I did see increase in credit opportunities. Keep up the good work.



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