11-10-2013 06:43 PM
I have a judgment from 5/2009 that was paid/satisfied within a week of it being entered. My credit reports show it still as unpaid. Should I get it updated, or just wait 2.5 years for it to drop off?
I was concerned that if I had it updated my score would drop because the date would be updated?
11-10-2013 06:56 PM
It is the plaintiff's attorney resposibility to inform the court it has been paid. They only have a limited time to do so.
I would contact the court clerk and see if they have been notified of its payment and see if they have a satisfaction that has been recorded. Have them send it to you if they do.
If not, you will need to contact the creditor or attorney and let them know it is still showing unpaid.
11-10-2013 07:07 PM
Thanks for the quick response. Yes, when I search the court records website I find the "Satisfaction of Judgment granted per Order" was done on 05/26/2009
It still shows as unpaid on my report. Should I have it updated or leave it as is?
11-10-2013 07:26 PM
11-11-2013 11:55 AM
i had this same issue. I continued to email the original creditor in my case it was an apartment. Then I also disputed it. 1 every 6 months until it should as satified which at that time they removed it. Mine was under the public information side. I was due to fall off 6 months so I dont know the particular reason it was removed. I only helped with a 10 pt boost because it was 6 years old.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
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.