edrenjr wrote:
Hi All,
I just pulled my Equifax and my TU and realized that on my EQ I have a public record for a judgement in the amount of $2778! I did a bit of research and it is actually against my Dad (we are a Jr/Sr and I have had to clean up a lot of credit woes on my reports because of this). He is aware of the situation and is contacting the attorney who handled the case back in Dec. of 2006.
My questions are these:
1. How should I handle the blemish on my reports?
2. How can I get this removed and how long will it take?
3. How much can I expect my score to increase once I get this removed?
Thanks so much!
1) I'd dispute as "not mine" on my CR.
2) If you dispute they have 30 days to "investigate". They may or may not verify/delete. If they verify and don't delete then you'll have to send a MOV.
3) Without knowing your other items, it's hard to say how much of a score increase. But public records are a major baddie, so...........
Now what you might do is dispute via fax or snail mail and send a copy of the judgement, highlighting your dad's information and ss#, the account #, etc and explain that it is your dad's not yours.
Now someone else may have better advice. I have never dealt with judgements, so have no experience there.
Message Edited by sidewinder on
03-04-2008 05:52 PM
