Judgement that belongs to husband

[Anonymous]

I am actually helping a friend get her credit in order now that I have cleaned up mine and bought a house...

So, she has a judgement on her credit that was her husbands. They do not have anything joint now like a house, loan, credit card or anything...

The only connection she has was she mailed the check to pay the judgement in full several years back. She thinks about 5 years...So its still showing with a balance.. And, it is not hers.

How does she get this off. There is no information for creditor on her reports at all except for the name.... "Worldwide Asset Purchasing"

No way to do an online dispute either. Is this something that needs a letter to the credit bureaus?

Also, I have read that the state it occured may matter, it happened in AZ a community property state. Does she get stuck with this since it is a community property state?

[pizzadude]

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@Anonymous wrote:

I am actually helping a friend get her credit in order now that I have cleaned up mine and bought a house...

So, she has a judgement on her credit that was her husbands. They do not have anything joint now like a house, loan, credit card or anything...

The only connection she has was she mailed the check to pay the judgement in full several years back. She thinks about 5 years...So its still showing with a balance.. And, it is not hers.

How does she get this off. There is no information for creditor on her reports at all except for the name.... "Worldwide Asset Purchasing"

No way to do an online dispute either. Is this something that needs a letter to the credit bureaus?

Also, I have read that the state it occured may matter, it happened in AZ a community property state. Does she get stuck with this since it is a community property state?

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You would need to look at the actual court documents to see who the judgement record was entered against.     Was the judgement entered solely against her husband or both of them jointly ??

[Anonymous]

I finally found it, it is showing under her husbands name and then has her name, but her name is laurie and they have laura. not sure if that slight error matters.

[pizzadude]

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@Anonymous wrote:

I finally found it, it is showing under her husbands name and then has her name, but her name is laurie and they have laura. not sure if that slight error matters.

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Well the good news is that it is at least paid, right ?   As far as I know, the only way to get a judgement removed from your CR is if the issuing court vacates the judgement ~ you would have to file a motion with court to request this.   I have no idea if the error with the name would make any difference....

[RobertEG]

Getting the judgment vacated is the usual way to get it deleted, but not the only way.  As with all adverse information reported to a consumer's credit file, someone reported it, and the furnisher of the information can always delete their own prior reporting. 

The problem with public records is that they are... public.  Commercial firms exist to review public records and provide information to parties who can report them to a CRA.

The obvious problem is that the credit report does not identify the furnisher of the information to the CRA. Courts are rarely the direct furnisher of information to a CRA,

I would suggest calling the CRA and asking them to informally provide the name and address of the furnisher, and then sending the furnisher a GW letter requesting they report its deletion.

If informal contact with the CRA fails to get the necessary information to contact the furnisher, you can compel the CRA to provide you that information by filing a request under FCRA 609(a)(1) and (2).  The CRAs are authorized to charge a processing fee for such requests, and the current fee is $11.00, so if you pursue that route, include a copy of a govenment ID and the required processing fee with your request.

[LS2982]

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@Anonymous wrote:

I am actually helping a friend get her credit in order now that I have cleaned up mine and bought a house...

So, she has a judgement on her credit that was her husbands. They do not have anything joint now like a house, loan, credit card or anything...

The only connection she has was she mailed the check to pay the judgement in full several years back. She thinks about 5 years...So its still showing with a balance.. And, it is not hers.

How does she get this off. There is no information for creditor on her reports at all except for the name.... "Worldwide Asset Purchasing"

No way to do an online dispute either. Is this something that needs a letter to the credit bureaus?

Also, I have read that the state it occured may matter, it happened in AZ a community property state. Does she get stuck with this since it is a community property state?

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Dispute it directly with the bureaus as not yours.

[Booner72]

Dh and I had a judgment together and when I disputed all 3 for both of us, all 3 deleted his!!!  And updated mine to SATISFIED!!!!!!  WTH is what I said about that.  Definitely should dispute as Not Mine.  if that doesn't work, then I have a letter I can PM you that I got from another person here.  Try dispute first as you need to do that to use the letter.