@Ccm352 wrote:I beat a credit collection agency/debt buyer in court for a credit card that i had defaulted on during the pandemic. Judge dismissed the case with prejudice. My question is can I now dispute this on my credit report and have it removed or do I have to wait until it falls off? I will probably see a 1099c out of this.
I rather suspect you'll have little luck in a successful dispute.
The day you win your case the debt collector should delete the credit reporting. Otherwise it is false credit reporting under several federal laws. You can send a dispute letter to the credit reporting agencies and include a copy of the complaint and the dismissal with prejudice.
@FireMedic1 wrote:The day you win your case the debt collector should delete the credit reporting. Otherwise it is false credit reporting under several federal laws. You can send a dispute letter to the credit reporting agencies and include a copy of the complaint and the dismissal with prejudice.
Even if the original creditor charges the debt off and sends a 1099-C?
If the case was dismissed with prejudice ONLY and no verdict from the court was entered specifically stating you don't owe it then it was procedural only and they don't have to delete. Was it dismissed on a technicality or they no-showed? If they send a 1099-C they are supposed to delete but until they send it any dispute would be frivolous and cement it to your report(s).
1. Welcome to the forum.
2. I would certainly use the judgment of dismissal as a basis for filing disputes with the bureaus.
@Horseshoez wrote:
@FireMedic1 wrote:The day you win your case the debt collector should delete the credit reporting. Otherwise it is false credit reporting under several federal laws. You can send a dispute letter to the credit reporting agencies and include a copy of the complaint and the dismissal with prejudice.
Even if the original creditor charges the debt off and sends a 1099-C?
Anything over $600 the IRS requires the 1099C for debt cancellation. Separate issue.
