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Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011
0

Removing A Satisfied Judgment

So in 2008 I was evicted from an apartment complex and was sued, an lost.... I settled with the colleciton company, and a Satisfaction of Judgment was obtained. The judgment was listed as satisfied with the courts. This is how it shows on the public record, and on my credit report.

 

I pretty much stopped working on it, but then today I starting thinking of ways I could remove this....

 

This next part is directed towards those with experience removing, or people with some legal know-how

 

I stumbled upon this online, its a quote from a Chicago Tribune article, pertaining to Illinois (where I live) and remove satisfied judgments:

 

Chicago Tribune
How does renter rectify entry on credit report?
A. The only thing you can do is to file a motion, based upon a
satisfaction of the judgment, to vacate the judgment entered against
you.


"There are two methods for vacating satisfied judgments and having the
cases dismissed. The management company is required to file a
Satisfaction of Judgment form with the court for all satisfied
judgments, and one of the forms available contains a place for a judge
to automatically vacate the judgment and dismiss the action. If a
different satisfaction form was filed, or if no Satisfaction of
Judgment form was filed, you can either ask the management company's
attorney to provide you with one, or you can file a motion in the same
courtroom where the judgment was entered, explaining that the judgment
was satisfied and asking for a vacation of the judgment and a
dismissal of the case. In that case, you will be required to
demonstrate that you paid the judgment and court costs, and the best
proof of that would be a receipt from the management company or your
canceled check.

 

So... does this seem plausible? Does this seem easy? Is this something I can hire a lawyer to do or is it somehting that I can do on my own?

 

I'd really like to remove this from my credit file..

 

Thanks!

scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Valued Contributor
injustifiiable
Posts: 1,853
Registered: ‎03-30-2012
0

Re: Removing A Satisfied Judgment

Something that worked for me was:

 

  • Disputing the PR with the CRA's.
  • Once it came back as verified, then sending a MOV
  • It was removed after the information I was looking for wasn't provided.

This has only worked on EQ so far...working on the other two have been a bit more difficult.

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

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Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011
0

Re: Removing A Satisfied Judgment


injustifiiable wrote:

Something that worked for me was:

 

  • Disputing the PR with the CRA's.
  • Once it came back as verified, then sending a MOV
  • It was removed after the information I was looking for wasn't provided.

This has only worked on EQ so far...working on the other two have been a bit more difficult.


I saw that on your earlier thread.. I think I might go that route second.. I am interested to see if anyone has an opinion about that reference quote... I wonder if its just that easy...

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Established Contributor
2NE1
Posts: 999
Registered: ‎12-06-2011
0

Re: Removing A Satisfied Judgment

I haven't gone thru this route yet but it is possible to get your satisfied judgement removed. First, you do not need to hire a lawyer. What you need to do is go to the court and ask the clerk for the paperwork required to file for a motion to vacate/dismiss a judgement. Find out how much the court fees are. Then, get a hold of the plaintiff's attorney and ask them if they can file the motion for you since you satisfied the debt (was it PIF??) if they disagree then offer to pay the fees for in exchange. I guess I might have to go this route to get EX to remove my judgment, EQ and TU simply removed it with the MOV letters.

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
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Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011
0

Re: Removing A Satisfied Judgment


2NE1 wrote:
I haven't gone thru this route yet but it is possible to get your satisfied judgement removed. First, you do not need to hire a lawyer. What you need to do is go to the court and ask the clerk for the paperwork required to file for a motion to vacate/dismiss a judgement. Find out how much the court fees are. Then, get a hold of the plaintiff's attorney and ask them if they can file the motion for you since you satisfied the debt (was it PIF??) if they disagree then offer to pay the fees for in exchange. I guess I might have to go this route to get EX to remove my judgment, EQ and TU simply removed it with the MOV letters.


Thanks! Good advice. I just emailed my attorney to get her take on it..

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
New Contributor
George888
Posts: 94
Registered: ‎03-31-2012
0

Re: Removing A Satisfied Judgment

Injustifiiable,

 

Can you please tell me what you mean by:  "Once it came back as verified, then sending a MOV"?

 

  • Did you send the MOV to the CA or to the CRA?
  • Does it mean that you sent a MOV to the CA?  Which didn't respond, and then you disputed with the CRAs based on the non-response?
  • Or does it mean that you disputed it with the CRAs using MOV as your dispute reason?

 

Thanks,


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