topic Re: Public records in General Credit Topics

Public records

Anonymous — Wed, 28 Apr 2010 00:42:02 GMT

Hi, my name is Evelyn, recently I checked my credit report online, and I have noticed that, where it said public records shows the times that i have being to court for my old credit cards, 3 times in total, I already paid off both of them, but I thought that after I paid off both of the credit cards, that information was going be erase, but still there, what can I do about it, I am trying to clean up my credit, so in the future I can buy an apartment, I am from NY city. PLEASE CAN SOMEONE CLEAR UP MY THOUGHTS. Is there is something I can do to get that erase?, or it erase my itself after the years?

Re: Public records

RobertEG — Wed, 28 Apr 2010 00:56:56 GMT

Hi, Evelyn. Civil judgments are separate derogs posted to your CR, showing additional activity required by the OC or a CA to collect the debt.

Payment of a debt does not remove prior derogs that occured prior to its payment. FICO is an analysis of the risk of missing payments.

Deletion of judgments from your CR occur, under FCRA 605(a)(2), after 7 years from the date of court entry of the judgment.

Re: Public records

Anonymous — Wed, 28 Apr 2010 06:26:13 GMT

@Anonymous wrote:
Hi, my name is Evelyn, recently I checked my credit report online, and I have noticed that, where it said public records shows the times that i have being to court for my old credit cards, 3 times in total, I already paid off both of them, but I thought that after I paid off both of the credit cards, that information was going be erase, but still there, what can I do about it, I am trying to clean up my credit, so in the future I can buy an apartment, I am from NY city. PLEASE CAN SOMEONE CLEAR UP MY THOUGHTS. Is there is something I can do to get that erase?, or it erase my itself after the years?

Robert is right. Just because a judgment is satisfied (i.e. paid) does not mean it falls off your credit report.

In order to get the judgment off your credit report before the time limits are up, you'd need to get the judgment vacated. Fortunately NYC courts are pretty good about vacating satisfied judgments. You'd need to file a Motion to Vacate with the court and you can obtain an example on the NY State Unified Court System website. On that Motion there is a series of boxes to check to indicate the reason why you think the judgment should be vacated. One of them will say something like "I have paid the judgment." Check that box and file your Motion with the court clerk.

Re: Public records

Anonymous — Sun, 02 May 2010 07:57:29 GMT

Thanks a lot, I am going to do that, Thanks I really appreciate it !!!!!!!