Payment and removal of a judgement.

[Anonymous]

Has anyone paid and had a judgment removed via good will letter and did it affect your credit? If so how much? I have paid my judgement and sent a good will letter today. I was just wondering if the tsp removed, do you get the points back that were lost? I know paying it doesn't have much of an effect 

[RobertEG]

Judgments are public record information.

There is no furnisher to which a good-will request can be made.

For similar reasons, public record information is also excluded from the direct dispute process, as there is no furnisher to which a direct dispute can be sent.

[superdad]

You can direct dispute judgements, I had 3 on my file, direct disputed with transunion over a week time and all 3 were removed.

[StartingOver10]

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@Anonymous wrote:

Has anyone paid and had a judgment removed via good will letter and did it affect your credit? If so how much? I have paid my judgement and sent a good will letter today. I was just wondering if the tsp removed, do you get the points back that were lost? I know paying it doesn't have much of an effect 

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Did you get a Satisfaction of Judgement recorded when you paid this judgement?  If so, terrific. If not, make sure you get one from the judgement holder.

[Anonymous]

Your best bet would be once the judgement is satisfied, contact the owner of the Judgement and ask if they would object if you filed a motion to vacate. (Subject to the laws of your State)

Most likely they won't care. They recieved their money. In Massachusetts, it quite easy to do.

[RobertEG]

You can dispute any information via a CRA.  FCRA 611(a).

You cannot file a direct dispute of public record information.  See the implementing regs at 16 CFR 660.4.

The prior post stating that they filed a "direct" dispute indicated that it was filed with the CRA, not a furnisher.

That is not a "direct dispute" as defined under FCRA 623(a)(8), as it was filed with a CRA.

[Anonymous]

Thank you for all for your help. I am going to send the Good will letter to the Judgement holder will copies of both satisfaction letters (court and holder) and see what happens. The judgement was paid pretty quick so hopefully they vacate it.

[cuthatcard]

I have an old judgement that was paid, disputed it with TU and it fell off. Wasn't on EX...EQ wants me to prove who I am before giving me a report, so, yes, it has/can be done !

[pmarti8]

I had three judgements (rent slow pays not evictions) on my credit reports, since no money was actually owing and since the courts do not do debt validation with the bureaus, with some patience and diligence you can get them removed. I would definitely get documentation from the court that the judgement has been satisfied just for future protection.

[Anonymous]

So after paying the Judgement in July and after sending the good will letter.... the judgment was Vacated! I sent a copy of the vacate letter the the credit bureaus and they removed the judgement but nothing happened to my credit. I lost over 100 points when it reported and gain 0 back when it was removed. Does anyone know why?