topic Re: Judgment Really Gone!! in General Credit Topics

Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 19:55:53 GMT

Got credit report today from TU, Civil Judgement, deleted!!!!!

SPS - Mtg. Tradeline lots of lates-- Deleted!!!

Portfolio Recovery- included in Bk---deleted!!!

Re: Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 20:05:24 GMT

Way to go!

Re: Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 20:12:06 GMT

Can I ask how you did it?

I have a judgement. Afraid to make any sort of move without knowing all my options.

Thanks in advance!

Re: Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 20:41:26 GMT

Good for you!!!!

Re: Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 20:43:43 GMT

Unbefreakinglievable!

Re: Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 20:51:30 GMT

Look, something gotta work, right? CTJulie, see your pm box. I responded to you.

Re: Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 20:53:51 GMT

way to go myhearts..

Re: Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 20:58:54 GMT

myhearts07 wrote:
Look, something gotta work, right? CTJulie, see your pm box. I responded to you.

I'd like a message too please. I have already been given advice and I 'd like to see what worked for you. Thanks.

Re: Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 21:00:32 GMT

That is wonderful myhearts. Did you offer PFD or goodwill them?

Re: Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 21:01:58 GMT

I would like a message as well myhearts. I would like to see what worked for you as well. Thanks in advance.

@Anonymous wrote:

@Anonymous wrote:
Look, something gotta work, right? CTJulie, see your pm box. I responded to you.

I'd like a message too please. I have already been given advice and I 'd like to see what worked for you. Thanks.

Re: Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 21:08:59 GMT

This is the letter that I sent to TransUnion because the judgement was deleted from the other two. I did fax them copies of my bk paperwork which shows American General Finance as one of the creditors included in the BK. It was a goodwill letter that I sent. Even if you don't have a bk I would say just send the gw letter anyway and see what happens. They can delete or they can say no. Just try. Here's the letter.

July 31, 2007

TransUnion Customer Relations
P.O. Box 1000
Chester, PA19022
SSN#:

Civil Judgment Account #

Company’s Name: American General Finance Co.
Amount: $

To Whom It May Concern:

I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to my Trans Union credit report. I have a civil judgment on the above referenced account. Since that time I have been working very hard to clear up inconsistencies on my credit report as well as dispute errors. I am enclosing for your review the discharge papers as well as a copy of the creditors who were included in that discharged BK7 and this creditor is one of them.

My dispute all along has been that this creditor put this judgment on my report after receiving electronic notice of our filing of the BK7. This judgment has been deleted from Equifax and Experian as well. I would appreciate the same from you. In your verification of this debt, please provide for me the name, address, and phone number of the individual(s) that you spoke with in doing so. I have tried contacting the Cook County 1st Municipal Court regarding this civil judgment and they can only verify that this is on my record but they don’t give me any further information as how to remove it. I was never served at home and I never received a phone call regarding the judgment or a court date. The first that I ever heard of this was when it appeared on my credit reports. It has been 5 years since this bankruptcy has been discharged and in that time I have tried to be as consistent with my payments and being responsible as I could have been due to circumstances (loss of employment two times) beyond my control.

I have been a very happy customer in the past with TransUnion and hope to continue a long relationship with you. With today’s credit industry so competitive, I know how important it is to maintain good relationships with customers. TransUnion has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why TransUnion is heads above the rest. I look forward to your reply.

Sincerely

Re: Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 21:11:48 GMT

myhearts07 wrote:
Got credit report today from TU, Civil Judgement, deleted!!!!!
SPS - Mtg. Tradeline lots of lates-- Deleted!!!
Portfolio Recovery- included in Bk---deleted!!!

God is good hearts....WTG!!

Re: Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 21:12:40 GMT

And you know this....

Re: Judgment Really Gone!!

Anonymous — Wed, 08 Aug 2007 21:35:57 GMT

HE always has a better plan! Keep the Faith and keep up the good work, I've been praying for you and your family!!!

Re: Judgment Really Gone!!

Anonymous — Thu, 09 Aug 2007 02:36:33 GMT

myhearts07 wrote:
Got credit report today from TU, Civil Judgement, deleted!!!!!
SPS - Mtg. Tradeline lots of lates-- Deleted!!!
Portfolio Recovery- included in Bk---deleted!!!

YAYAYAYAYAYAYAY!! I'm thrilled for ya girlie!!

Re: Judgment Really Gone!!

Anonymous — Thu, 09 Aug 2007 12:15:51 GMT

Thank you, everyone.....

Re: Judgment Really Gone!!

demitasse03 — Thu, 09 Aug 2007 15:32:38 GMT

Congratulations myhearts07!

Has anyone ever heard of CRAs deleting paid judgments?

Re: Judgment Really Gone!!

Anonymous — Thu, 09 Aug 2007 15:45:21 GMT

No, but they deleted an unpaid one. try it, nothung to lose.

Re: Judgment Really Gone!!

Anonymous — Thu, 09 Aug 2007 15:47:34 GMT

myhearts, how did you send it? Mail? CMRR?

Re: Judgment Really Gone!!

Anonymous — Thu, 09 Aug 2007 16:09:21 GMT

Faxed it to TU (it was only showing on them, EQ and EX had already deleted).