Public Record Changes in Credit Reports

[Anonymous]

My lien has no birth date but it DOES have the last 4 of my social correctly.  Wonder if that means it is incorrect reporting or not per this statute.

[Anonymous]

Come July 1st, do we need to call to see if ours qualifies to be removed or does anybody know? Is it automatic?

[Anonymous]

It's supposed to be automatic. Based on my little id fraud issue TU and Exp are very friendly and wil do it promptly but Equifax will stall til the last moment. 

[Anonymous]

It is an unpaid deficiency judgment.  I was unaware of it until it showed up on my credit.  The bank told me it would be a deed in lieu of foreclosure, but then sued me, I defaulted and they filed a judgment. 

[Anonymous]

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@Anonymous wrote:

It is an unpaid deficiency judgment.  I was unaware of it until it showed up on my credit.  The bank told me it would be a deed in lieu of foreclosure, but then sued me, I defaulted and they filed a judgment. 

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It to shall go away if no full ssn or dob. How long ago did they get the judgment?  I have seen very few judgments fo dil who was the bank?     

[rsl1313]

Hi FireMedic1,

 I am eagerly anticipating July 1 too. I have a BK that was filed 12/12, discharged 3/13, primarily from federal tax debt. I am curious how you ha

been able to get your scores up there so quickly. I have been struggling to get mine over 700. I have been playing the 3 card low utilization game, and all accounts

are pristine since my BK. Granted, I didn't try and get credit at all for these first year after BK. My scores go up very minimally when I have 2 cards reporting 0% and one card reporting less than 5%. TU doesn't seem to go up at all, Ex and EQ very minimally like I said. It's frustrating! Thanks for the inspiration and great job!

[FireMedic1]

rsl1313

Forgot to hit quote. Duh...

I didnt have any CC's in my BK. Perfect auto payments with Cap1 for >3yrs. They started the CC build. 2001 I paid off all CC's with a settlement check from a back inury from workmans comp and closed them all. Cash only. Think it was around 19k. My dumb days. I always had car loans forever. Even to this day a couple cards still are on my CRA files as closed. One 20 yrs ago.

So BK was basically for a tax garmishment warning letter. And since I am close to retirement. Didnt want my present paychecks and in a few years my retirement check garnised. So really after BK I started over with no CC's showing, just that 20 yr old one, tax lien released. A few car loans, 1 30 day late 4 yrs ago. Now hoping 7/1/17 Equisux  will remove my lien finally like the others did last year.

[Anonymous]

How can i tell if the information on my civil judgement is inaccurate or incomplete?  Thanks!

[Anonymous]

Get a copy of the judgement from the county courthouse where it was recorded.  To stay on needs 1) name 2) address 3) FULL social security number or birthdate

[Anonymous]

Thank you!