Judgments reported under wrong court

Anonymous · ‎01-22-2010

Hello everyone,

I have a several judgments that are listed on my credit report under circuit court instead of justice court, but after a check with the circuit clerks office they do not have a recorded judgment on file. I got a certified letter from them, circuit clerk, explaining the lack of recorded judgments and was wondering if this should be enough to have them removed from my credit report.

Anonymous · ‎01-22-2010

@Anonymous wrote:
Hello everyone,
I have a several judgments that are listed on my credit report under circuit court instead of justice court, but after a check with the circuit clerks office they do not have a recorded judgment on file. I got a certified letter from them, circuit clerk, explaining the lack of recorded judgments and was wondering if this should be enough to have them removed from my credit report.

Can't hurt to try!

It looks like the data aggregator messed up and reported the judgments originating from the wrong court.

Anonymous · ‎01-24-2010

@Anonymous wrote:
Hello everyone,
I have a several judgments that are listed on my credit report under circuit court instead of justice court, but after a check with the circuit clerks office they do not have a recorded judgment on file. I got a certified letter from them, circuit clerk, explaining the lack of recorded judgments and was wondering if this should be enough to have them removed from my credit report.

Technically you are only supposed to dispute the error portion, requesting the correction, not a deletion. If they do not correct, then you are entitled for the incorrect data to be deleted.

Your best option is to attempt a settlement with the plaintiff attorney to include an agreement for motion to vacate. With a motion to vacate granted, you don't have to worry about them coming back to haunt you.

IMO

Anonymous · ‎03-30-2010

So after a few months, I was able to correct some judgments that were listed incorrectly. TU had some of them listed in multiple courts and were not showing updated statuses. I was able to show paperwork explaining how they were listed wrong and TU deleted a total of four entries. Ex deleted every judgment. the day after I disputed them.

Anonymous · ‎03-30-2010

@Anonymous wrote:
So after a few months, I was able to correct some judgments that were listed incorrectly. TU had some of them listed in multiple courts and were not showing updated statuses. I was able to show paperwork explaining how they were listed wrong and TU deleted a total of four entries. Ex deleted every judgment. the day after I disputed them.

Sometimes the CRA removes the TL being disputed during the dispute. How long ago was this and have you received a new CR showing they have been removed?

Anonymous · ‎03-30-2010

Experian deleted several weeks ago and TU deleted several days ago during the investigation timeframe.

fused · ‎03-30-2010

Wow! You're fortunate, EX can be a real bear with disputes.

RobertEG · ‎03-30-2010

The problem with legal judgments posted to your CR is that the information is usually garnished independently by a third party agent of someone, or a researcher employed by the OC or CA. Not a lawyer. Courts dont directly report to CRAs,

So you had some inexperienced person parse public records, and through someone, posted this to the CRAs. They probably think a court is a court, and dont fully understand the jurisdictional distinctions. So I agree, if a correct judgment was in fact rendered, and all that is incorrect is the name of the isuing court, it is just a correction of the jurisditional information that is under dispute.

What matters is the date of the judgment.