topic Re: PUBLIC RECORD INFO in General Credit Topics

PUBLIC RECORD INFO

TravellingNomad — Fri, 20 May 2011 14:52:17 GMT

hi everyone...i have 1 public record from 5-6 years ago on my credit report. when this happened, i paid the full amount right away and never thought about it since. but last week when i was on the phone with an account analyst with Discover, she reviewed my credit report with me over the phone. she asked me regarding the judgement against me and if i was paying it in installments. i told her that it's already been paid in full right from the get go. she said that i may want to get that taken care of because it says (from what she was looking at) that it has not been paid.

can anyone please help by telling me how can i check on my credit reports where payment status is indicated? because i've pulled my yearly free credit reports in the past and i've never noticed anything as far as this information is concerned.

Re: PUBLIC RECORD INFO

Anonymous — Fri, 20 May 2011 15:13:13 GMT

It should say right where the judgment information is if it is paid or not.

What type of public record? Judgment, tax lien? Is there a corresponding CA with it?

Re: PUBLIC RECORD INFO

TravellingNomad — Fri, 20 May 2011 15:34:24 GMT

it was a judgement for NCO Financial. But the TU and EQ credit reports i bought from myFICO end of last month does not indicate whether it's paid or not. do i need to pull my credit report from the 3 actual CRBs?

Re: PUBLIC RECORD INFO

Anonymous — Fri, 20 May 2011 15:35:52 GMT

@TravellingNomad wrote:
hi everyone...i have 1 public record from 5-6 years ago on my credit report. when this happened, i paid the full amount right away and never thought about it since. but last week when i was on the phone with an account analyst with Discover, she reviewed my credit report with me over the phone. she asked me regarding the judgement against me and if i was paying it in installments. i told her that it's already been paid in full right from the get go. she said that i may want to get that taken care of because it says (from what she was looking at) that it has not been paid.

can anyone please help by telling me how can i check on my credit reports where payment status is indicated? because i've pulled my yearly free credit reports in the past and i've never noticed anything as far as this information is concerned.

Hi TN,

If it's been more than 12 months, you may want to pull new reports and look at what's currently on them.

If it's been less than 12 months, perhaps pull them out and let us know exactly how this is reporting for you.

You'll get the best feedback if you can provide that info.

Re: PUBLIC RECORD INFO

TravellingNomad — Fri, 20 May 2011 20:10:37 GMT

hi beam,

well the current reports i pulled from this site last month both for TU and EQ, this is all it says

Civil judgement filed on Oct 02, 2006 Type [?] Case number [?] Date filed [?] Date reported [?] Amount [?] Plaintiff [?] Account Designator [?]

Civil judgement

6CM00085

Oct 02, 2006

$3,207

Nco Portfolio Manageme

Individual

i have to find my free annual reports that i pulled earlier this year. but if i remember correctly, it was pretty much the same info.

Re: PUBLIC RECORD INFO

Anonymous — Fri, 20 May 2011 20:52:00 GMT

Hopefully your annual CR has more information. This doesn't give anything.

Does NCO have a separate collections showing? Does it show paid?

Re: PUBLIC RECORD INFO

Anonymous — Sat, 21 May 2011 02:33:12 GMT

@TravellingNomad wrote:
hi everyone...i have 1 public record from 5-6 years ago on my credit report. when this happened, i paid the full amount right away and never thought about it since. but last week when i was on the phone with an account analyst with Discover, she reviewed my credit report with me over the phone. she asked me regarding the judgement against me and if i was paying it in installments. i told her that it's already been paid in full right from the get go. she said that i may want to get that taken care of because it says (from what she was looking at) that it has not been paid.

can anyone please help by telling me how can i check on my credit reports where payment status is indicated? because i've pulled my yearly free credit reports in the past and i've never noticed anything as far as this information is concerned.

You might want to check with the court clerk to see if the judgment is listed in their records as satisfied.

In the vast majority of states, a judgment creditor is given a specific period of time -- usually about 2 weeks -- to ensure the court is advised of the satisfaction of their judgment. Unfortunately, that time period usually runs from the date that the judgment creditor makes a written demand.

Every time you pay a judgment it is recommended that you get a notarized Satisfaction of Judgment and a General Release as well as a receipt.

Re: PUBLIC RECORD INFO

TravellingNomad — Sat, 21 May 2011 20:35:50 GMT

hi guiness and O6....i just ordered my TU credit report direct from their website and it this is what it says on regarding this judgement

Legal Item	Dispute


Type:	Judgment	Add Experian and Equifax Reports NOW!
Status:	Filed
Date Filed/Reported:	10/02/2006
How Filed:	Individual
Reference #:	6CM00085
Closing Date:
Court:	Recorder Of Deeds
Plaintiff:	NCO PORTFOLIO MANAGEME
Action Amount:	$3207

now i noticed that there is no indicated closing date. could that be what the credit analyst from Discover was talking about? should that have a date in it if i've already paid this judgement? and no...no collections account from NCO showing in any of the reports i've pulled within the the last several weeks.

btw...thanks everyone for helping me trying to figure this out.

Re: PUBLIC RECORD INFO

Anonymous — Sat, 21 May 2011 23:23:44 GMT

@TravellingNomad wrote:
hi guiness and O6....i just ordered my TU credit report direct from their website and it this is what it says on regarding this judgement

Legal Item Dispute
Type: Judgment Add Experian and Equifax Reports NOW!
Status: Filed
Date Filed/Reported: 10/02/2006
How Filed: Individual
Reference #: 6CM00085
Closing Date:
Court: Recorder Of Deeds
Plaintiff: NCO PORTFOLIO MANAGEME
Action Amount: $3207

now i noticed that there is no indicated closing date. could that be what the credit analyst from Discover was talking about? should that have a date in it if i've already paid this judgement? and no...no collections account from NCO showing in any of the reports i've pulled within the the last several weeks.

btw...thanks everyone for helping me trying to figure this out.

Normally instead of "filed" it should say "satisfied" if you have paid it.

Have you contacted the court clerk to see if it is marked as satisfied in their judgment book?

Re: PUBLIC RECORD INFO

TravellingNomad — Sun, 22 May 2011 00:57:52 GMT

i'll contact the court clerk on monday. i'll keep you guys posted.

Re: PUBLIC RECORD INFO

Anonymous — Sun, 22 May 2011 01:16:04 GMT

@TravellingNomad wrote:
i'll contact the court clerk on monday. i'll keep you guys posted.

If they have it as satisfied in their judgment book, you should be able to dispute the tradeline with the credit bureaus and have them update it.

Re: PUBLIC RECORD INFO

TravellingNomad — Mon, 23 May 2011 19:11:56 GMT

tried calling the clerk of deeds office. unfortunately, i've hit a bureaucratic red tape. their phone systems automated answering system said they are closed for lunch from 12 -1. so im gonna try again after lunch.

Re: PUBLIC RECORD INFO

TravellingNomad — Mon, 23 May 2011 21:03:06 GMT

ok i just got off the phone with the recorder's office. they told me that the case number shows as being satisfied.

Re: PUBLIC RECORD INFO

Anonymous — Tue, 24 May 2011 00:59:13 GMT

@TravellingNomad wrote:
ok i just got off the phone with the recorder's office. they told me that the case number shows as being satisfied.

You should be able to dispute it with the CRAs then and have it corrected. Save the phone number you called for the court clerk because sometimes you need to walk the CRAs through the steps.

Re: PUBLIC RECORD INFO

TravellingNomad — Tue, 24 May 2011 14:20:38 GMT

can i do it by calling the CRAs or do I need to send a letter via certified mail? I'm gonna call the court clerk again today and see if i can get a letter from them saying that this judgement has been satisfied...maybe get a phone number for the lawyer as well so i can get in contact with them too and get a similar letter.

so all these years, this darn thing has been showing as not paid?

Re: PUBLIC RECORD INFO

TravellingNomad — Tue, 24 May 2011 19:19:55 GMT

ok just an update. i contacted the CRAs and initiated an online dispute and a phone call to TU. the online dispute will it indicated that the judgement has been released. for TU, the rep i spoke with said they will send notification to the court to update the status of the docket number. she said the court has 30 days to respond. i'll keep you updated as when i get notification of their decision.

Re: PUBLIC RECORD INFO

Anonymous — Wed, 25 May 2011 02:22:42 GMT

@TravellingNomad wrote:
ok just an update. i contacted the CRAs and initiated an online dispute and a phone call to TU. the online dispute will it indicated that the judgement has been released. for TU, the rep i spoke with said they will send notification to the court to update the status of the docket number. she said the court has 30 days to respond. i'll keep you updated as when i get notification of their decision.

I'm not sure they check directly with the court. Last I knew they checked directly with the data aggregator who combed the court files and discovered your judgment. Often when asked to verify, they are too lazy or stupid to actually check with the court and they just verify their original report.

Get documentation from the court clerk just in case you need to prove to the credit bureaus that it is paid.

Re: PUBLIC RECORD INFO

TravellingNomad — Wed, 25 May 2011 14:54:40 GMT

yeah im gonna go get some sort of document from the court saying its been released. unfortunately, since the court online document retrieval was put in effect only 2-3 years ago (from what the court recorder's office rep i spoke with), i would not be able to download the document i need and print since my file was dated back in 2006. sucks so now i have to go to the recorder's officer personally to get a copy of it. rep wouldn't even give me phone number for the lawyer for NCO who handled to civil case so i can call that office and get a letter from them.

but anyhoo...i'll update you again with what happens to the disputes i submitted. btw...i appreciate your replies and all your advice on how to proceed with this situation.

Re: PUBLIC RECORD INFO

TravellingNomad — Wed, 01 Jun 2011 19:34:37 GMT

ok an update. i received a letter from TU yesterday. it said they have finished their investigation and have updated my account. they sent me a copy of what's indicated on my report now. but it still does not say anything about it being paid/satisfied. the only change was that on the "Court Type" section, it now says Superior Court (it used to say Recorder of Deeds. so not sure of what to do now.

Re: PUBLIC RECORD INFO

Anonymous — Thu, 02 Jun 2011 06:48:42 GMT

@TravellingNomad wrote:
ok an update. i received a letter from TU yesterday. it said they have finished their investigation and have updated my account. they sent me a copy of what's indicated on my report now. but it still does not say anything about it being paid/satisfied. the only change was that on the "Court Type" section, it now says Superior Court (it used to say Recorder of Deeds. so not sure of what to do now.

CRAs are notorious for failing to verify with the source. They just contact the company which scans courthouse records and those lazy SOBs just verify without really checking.

Get documentation from the court which issued the judgment showing it is satisfied. Then have TU act on that documentation.