Judgment Removal

[BSBRose21]

The collection agency agreed to remove my judgment along with three collections from all three credit agencies if I paid one last bill off. I paid the bill and they reported to Transunion, Equifax, and Experian. The collections were off within a couple of days. However the judgment is still on all three credit agencies. I called back two weeks later and they said they were not sure why it was still on there so they "manually removed." After another two weeks, I called and they contacted their lawyer to vacate the judgment. They said this should take care of it completely. This was about 6-7 days ago. I know with Christmas it may take a few days or more, but why is this taking so long? Also, will I have to dispute it on my credit report or will it automatically pick it up? This is the last bad item on my report!

[Red1Blue]

It can take few weeks for the removal of the item from the CR. Also I am not sure what you mean they they are filing motion to vacate the judgement. That means it has to go to the judge and approved by judge. In that case it can take few months for the whole process. I did not quite understand what your question is.

[Anonymous]

I think this is why you need a PFD letter...It can take more than months. Maybe years if nothing was agreed on paper.

[Anonymous]

let the attorney do his thing! The courts do not move fast but a judge needs to sign it!

[BSBRose21]

Yes I do have a letter stating it is to be removed. Also, the lawyer that handles most of their judgment info said if there was any problems, he will "go to bat" for me.

[Red1Blue]

You would never rely on the Plaintiff Atty, they have no need to help you except their own client. Ask the Plaintiff Atty to file a letter of nonsuit with the court. Once you they file that letter,  that means the case is dismissed. Then send a copy of that letter certified by the court to the CRA's. Then they will take another month or two to verify and they finally they will delete. I had 3 judgments removed from CR's and it took me close to 5 months to get them removed. Last one I had to goto court 3 times and get the letter and send it to CRA and they keep coming back saying un satisfactory documents. It took me months to get the judgements removed.