MaryJane,

I had 6 judgements when I filed and was being garnished. All show as satisfied 0 balance after I filed. Waiting until one year from discharge to file motion to vacate and get them removed. They show on TU and EQ but not on my EX report.

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Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board

Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)

Mine doesnt show a 0 balance.  Just shows included in bankruptsy and the date paid.  Trying to figure out how to have it vacated.  Dont want to pay a lawyer to do that for me.  It isnt showing on my other two agencies.  I cant dispute it in TU cause I already have several things I am disputing and im waiting on TU to decide on them first before I can open another case.

I believe you have to get them removed by the court where they were filed on. Not sure where you are but where I am from I am legally able to file a motion to vacate the judgements 1 year after my bk was discharged. Then they can be removed from my reports.

I doubled check my reports and they in fact say satisfied with 0 balance as well as iib. Check your discharge report, it should say if your judgement was included.

Just wait on some of the other myficoer's advice.

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Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board

Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)

Hi,

Currious as to the process of vacating 1 yr. post.  I filed chpt 7 and was discharged in 2010, I had 3 judgements iib.  They are still on my reports but reflect satisfied, o bal, incl in bk7. 

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Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700

Take the FICO Fitness Challenge

http://ficoforums.myfico.com/t5/Bankruptcy/Vacating-a-Judgement-in-NJ/td-p/1303423

You will need to check if your state has something similar...

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Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board

Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)

Thanks Credit_Me.   Im going to check with my lawyer to see what she recommends I do.  Hopefully it wont be to difficult to get it taken care of.