topic TWO judgements deleted!! in General Credit Topics

TWO judgements deleted!!

Anonymous — Fri, 07 Sep 2007 15:49:41 GMT

I have True Credit, and even though I've read that if you check your credit report daily with them, they might close your account, I just HAD to check to see if my goodwill letters had any effect. I sent out five of them. Well, I'm so glad I checked. Experian removed two judgments that were on my credit report!

There was a company that filed two judgements (in 2004) for one account I owed to them. I was mad, but I should have answered their court complaints when they sent them to me. But anyway, I saw the two judgements (for the same amount, filed about three months apart). The original account was included in my bankruptcy in 2005, but I still read that the judgements had to stay on the credit report.

So I mailed out a goodwill letter last Tuesday to all three credit reporting agencies. And this morning the Experian listings for the judgements were GONE! I am so happy this morning!

Thanks to everyone here who helped me with this.

Re: TWO judgements deleted!!

Anonymous — Fri, 07 Sep 2007 18:41:58 GMT

belverbears wrote:
I have True Credit, and even though I've read that if you check your credit report daily with them, they might close your account, I just HAD to check to see if my goodwill letters had any effect. I sent out five of them.    Well, I'm so glad I checked. Experian removed two judgments that were on my credit report!

There was a company that filed two judgements (in 2004) for one account I owed to them. I was mad, but I should have answered their court complaints when they sent them to me. But anyway, I saw the two judgements (for the same amount, filed about three months apart).   The original account was included in my bankruptcy in 2005, but I still read that the judgements had to stay on the credit report.

So I mailed out a goodwill letter last Tuesday to all three credit reporting agencies. And this morning the Experian listings for the judgements were GONE!     I am so happy this morning!

Thanks to everyone here who helped me with this.

I just can't get over it. It's working for everyone but me.

Re: TWO judgements deleted!!

Anonymous — Fri, 07 Sep 2007 21:32:45 GMT

Congratulations!!!! Did you use the standard GW format from this site? I have a judgement that I want removed and was told to send it to the attorney that filed the judgement.... not the CRA. Whats your advice?

Re: TWO judgements deleted!!

Anonymous — Sat, 08 Sep 2007 00:04:04 GMT

Yes, I looked over one of the letters here and tailored it for what my situation was. Here's what I wote:

"Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
SS#: xxx-xx-xxxx
Civil Judgment Account #: XXXXXXXX
Case #: XXXXXXXX
Company’s Name: Name of Creditor
Amount: Amount Of Judgement Listed On Credit Report

To Whom It May Concern,

I am writing to see if you will make a goodwill adjustment in your reporting to my Equifax credit report. Due to some hardships in my life (medical and financial) I was unable to meet my responsibilities to my creditors. Over time, this negatively impacted my credit report. Ultimately, I had to file bankruptcy, in (year of bankruptcy) My bankruptcy was discharged in (date). . I am enclosing for your review, a copy the discharge papers from my bankruptcy, , along with the page from my bankruptcy papers which shows that the creditor/debt for “____________________” was listed and discharged in my Chapter 7 Bankruptcy.

. This company also erroneously seized my bank account and due to my bankruptcy filing, had to return the funds to me. .

I am now in a better place in my life and am now paying my debts, as agreed and being as responsible as I can be.

I am requesting that the judgment listed for this creditor, detailed above, be deleted from my credit report, in my effort to change my financial life for the better. Since the debt(s) are included in my bankruptcy, they are basically uncollectible, and to have them deleted from my credit report would really be a great blessing to me.

I have been an extremely happy customer with Equifax in the past and hope to continue my relationship with you. I know how important it is to keep a good relationship with your customers and in the past Equifax has gone out of it’s way to deal with me in a fair, honest and forthright way.

I hope you will consider my request to remove this judgment from my Equifax credit report. I appreciate you taking the time to help me."

________________________________

I mailed this by regular mail

Message Edited by belverbears on 09-07-2007 05:04 PM

Re: TWO judgements deleted!!

demitasse03 — Sat, 08 Sep 2007 00:08:24 GMT

Congrats! You have inspired me. I'm writing my letter tonight!

Re: TWO judgements deleted!!

Anonymous — Sat, 08 Sep 2007 00:12:34 GMT

Yeah...trying is the key Just try. Send a goodwill letter. You never know if it'll work and if it does, it's a GOOD feeling.

Re: TWO judgements deleted!!

fused — Sat, 08 Sep 2007 03:40:45 GMT

Two judgments deleted, incredible!! WTG!

Re: TWO judgements deleted!!

Anonymous — Sat, 08 Sep 2007 13:57:00 GMT

Thanks BBears! I will give it a try!!

Re: TWO judgements deleted!!

Anonymous — Sat, 08 Sep 2007 14:50:57 GMT

congrats!

Re: TWO judgements deleted!!

Anonymous — Tue, 25 Sep 2007 03:35:06 GMT

Cool ! thanks for this . I am going to try it, i'll let you know what happens.

Re: TWO judgements deleted!!

John060675 — Tue, 25 Sep 2007 03:38:14 GMT

Congrats! This keeps my hope up for my baddies!

Re: TWO judgements deleted!!

Anonymous — Tue, 25 Sep 2007 13:03:43 GMT

Wtg! Im too thrilled for you.......

Re: TWO judgements deleted!!

HigherCredit — Wed, 26 Sep 2007 17:24:39 GMT

Congrats! But, you had a BK & the OC had no business reporting you due to your BK. How effective would the GW be if there was no BK & the judgement was legally paid for less than the full amount? I'm currently in this situation & need help.

Re: TWO judgements deleted!!

Anonymous — Wed, 26 Sep 2007 18:03:41 GMT

>>Congrats! But, you had a BK & the OC had no business reporting you due to your BK. How >>effective would the GW be if there was no BK & the judgement was legally paid for less than the >>full amount? I'm currently in this situation & need help.

I may have had the bankruptcy, but the judgments were placed on my credit report prior to the bankruptcy filing and the credit reporting agencies could have just put "included in bankruptcy" on my credit report instead of deleting them.

So, the goodwill letter is something to hang your hopes on, depending on who receives it and how they feel that day. Like the name says, it's relying on someone's goodwill, good graces, compassion to do what you've asked them to do, so to me it's always something to try.

How effective is a goodwill letter? To me, it's a 50/50 deal, but if you fall on the good side it's well worth the effort.

Re: TWO judgements deleted!!

Anonymous — Sat, 29 Sep 2007 03:51:34 GMT

Will a letter like this work to remove a BK Chapter 13. I filed in GA, then had to move quickly to NJ. I did not know at the time that I could carry the BK13 filed in GA to NJ so I refiled again in NJ (GA was dismissed). Unfortunately, I had to wait 6 months before refiling. Now I have 2 BK13 on my credit report 6 months from each other and potential employers do not view this well. Any advise?

Re: TWO judgements deleted!!

Anonymous — Mon, 08 Oct 2007 04:18:04 GMT

With a goodwill letter, I don't think anyone can tell you "yes it'll work" or "no it won't work" because the nature of a goodwill letter is the compassion someone feels for you when they get your letter.

I'd send a goodwill letter, along with a copy of the dismissal papers to the agencies that are reporting it. I think it might just work because in reality only one bankruptcy was filed.