Reply
Member
Posts: 10
Registered: ‎07-22-2013
0

Success! Judgement deleted!

I had a (jointly-shared) eviction that eventually became a judgment for nearly $5,000 back in 2009. 

 

Their law office came after me, calling my job, serving me with garnishment papers, threatening me, etc.  I showed upto the wage garnishment court date, and the judge ruled that I was EXEMPT from garnishment.  (My income & dependents on paper qualify me as "low income" = Exempt) 

 

I later tried to settle, they refused to accept anything less than the full amount. 

 

I disputed this judgement just to see what would happen, and checked my results today, and it was deleted!  From all 3 bureaus.  Is this too good to be true?  Does the OC delete the original record once the debt is sold to a CA?  I'm wondering if maybe the debt was sold or something, and if I should expect it to reappear under a different creditor's name....

 

Not only is it deleted from my CR, but it's deleted from Hubby's as well, and he didn't even dispute or have any contact with them.  I fought them every step of the way, maybe they got sick of me?

 

Not that I'm complaining or anything, but why would this just go away?  It's only been 4 years.....


Starting Score: 526
Current Score: TU 730 EXP 715 EQ 705/b>
Goal Score: 750+

Take the myFICO Fitness Challenge
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Success! Judgement deleted!

Congrats! Even though the judgment was deleted it still means the judgment is active and can still be collected upon. I'd save $$$ on the side until the SOL for collecting on the judgment expires. 

 

Who was the plaintiff? The CA? If it was the CA then certainly don't mess with them until you had 100% saved or SOL for collecting on the judgment expires. However, you can safely GW the OC since they are out of the picture. 

 

Why a deletion? Maybe the court or whomever reports for the court couldn't verify the info, or didn't want to take the time to verify it.

Valued Contributor
Posts: 5,381
Registered: ‎04-30-2013
0

Re: Success! Judgement deleted!


DanaC wrote:

I had a (jointly-shared) eviction that eventually became a judgment for nearly $5,000 back in 2009. 

 

Their law office came after me, calling my job, serving me with garnishment papers, threatening me, etc.  I showed upto the wage garnishment court date, and the judge ruled that I was EXEMPT from garnishment.  (My income & dependents on paper qualify me as "low income" = Exempt) 

 

I later tried to settle, they refused to accept anything less than the full amount. 

 

I disputed this judgement just to see what would happen, and checked my results today, and it was deleted!  From all 3 bureaus.  Is this too good to be true?  Does the OC delete the original record once the debt is sold to a CA?  I'm wondering if maybe the debt was sold or something, and if I should expect it to reappear under a different creditor's name....

 

Not only is it deleted from my CR, but it's deleted from Hubby's as well, and he didn't even dispute or have any contact with them.  I fought them every step of the way, maybe they got sick of me?

 

Not that I'm complaining or anything, but why would this just go away?  It's only been 4 years.....


Congrats on the deletion! As stated above, the account may still  be active with the CA. Make sure to continue to save on the side until the SOL is exceeded. I have also heard of CA deleting the debt from a CR during the dispute period. Either way, its great to have it off the report and if it comes back at a later time, cross that bridge when you get to it. 




NFCU Flagship $25,000 I AMEX SPG $23,000 I Chase Sapphire Preferred $17,500 I Discover IT $12,000 I
Frequent Contributor
Posts: 405
Registered: ‎07-31-2010
0

Re: Success! Judgement deleted!

Congrats

CARDS.jpg

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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

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.