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Why did my judgment get deleted?

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Determined_Home_Seeker
Established Member

Why did my judgment get deleted?

Now I am not complaining at ALL because I got a 19 point score increase but I just want to understand. I filed a dispute to Equifax about an old judgment bc it was not reporting as paid. I expected them to change it to say "satisfied", but he deleted it. Why would that happen?


Starting Score: 566 (mf) 572 (ck) 588 (exp) on 1/10/14
Current Score: 609 (mf), 598 (ck) 658 (exp)
Short Term Goal Score: 680


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Message 1 of 12
11 REPLIES 11
earlyKY
Regular Contributor

Re: Why did my judgment get deleted?

I don't have an answer as to why. But the same thing happened to me when I disputed the paid status on a judgement that was showing up on my Experian report!!
Message 2 of 12
gagirl82
Regular Contributor

Re: Why did my judgment get deleted?

How long had your judgement been satisfied before you disputed the reporting?
Message 3 of 12
kaylord84
Frequent Contributor

Re: Why did my judgment get deleted?

I had a judgment on all 3 reports back in 2010 disputed and poof they were gone!!!!!


Starting Score: Eq 485 TU 467 Ex 400 BK filed Dec 2016
Current Score: Eq 723 TU 665 Ex 682
Goal Score: 700 All 3


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Message 4 of 12
myjourney
Super Contributor

Re: Why did my judgment get deleted?

Could be a number of reasons 

No response to dispute 

Old and outdated info (aged off)

Congrats on the scoring increase 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 5 of 12
Determined_Home_Seeker
Established Member

Re: Why did my judgment get deleted?

It was filed in June of 2007. New weird thing though, here on myfico.com it says it was deleted, but when I check the status of my dispute it says that Equifax verfied that it is reporting correctly. Now I'm really confused here. 


Starting Score: 566 (mf) 572 (ck) 588 (exp) on 1/10/14
Current Score: 609 (mf), 598 (ck) 658 (exp)
Short Term Goal Score: 680


Take the myFICO Fitness Challenge
Message 6 of 12
Determined_Home_Seeker
Established Member

Re: Why did my judgment get deleted?

It's been satisfied for about a year now.


Starting Score: 566 (mf) 572 (ck) 588 (exp) on 1/10/14
Current Score: 609 (mf), 598 (ck) 658 (exp)
Short Term Goal Score: 680


Take the myFICO Fitness Challenge
Message 7 of 12
earlyKY
Regular Contributor

Re: Why did my judgment get deleted?


@gagirl82 wrote:
How long had your judgement been satisfied before you disputed the reporting?

4 months. it was still showing unpaid, when I disputed it to be listed as paid... they deleted it.

 

I did the same think with transunion but they only updated it to paid.

Message 8 of 12
guiness56
Epic Contributor

Re: Why did my judgment get deleted?


@Determined_Home_Seeker wrote:

It was filed in June of 2007. New weird thing though, here on myfico.com it says it was deleted, but when I check the status of my dispute it says that Equifax verfied that it is reporting correctly. Now I'm really confused here. 


If it isn't on myFICO report but EQ is saying it stays, I would pull a report directly from the CRAs.  Those are the most accurate and detailed.  If it is there then it is still being reported.

 

Also, keep in mind that a dispute of a PR is done differently than a normal dispute.  The CRAs have the capability of checking it themselves.

Message 9 of 12
gagirl82
Regular Contributor

Re: Why did my judgment get deleted?

Is it possible that the cra deletes the judgement bc it had been satisfied?

 

Message 10 of 12
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