Equifax reporting judgment IIB as Satisfied dated 3 months after Discharge.

[Chilli]

I had a judgment that was IIB. My BK was discharged 1/2014 but Equifax is showing satisfied on 4/2014 which the gives the appearance of being paid after my discharged.

At that time of my discharge Equifax did not want to report the judgment as being discharged so I contacted Cap 1 and they filed a in the court in April, 2014 that the judgment was paid. So Equifax pick up that date and reported it.

can someone, please tell me how is a judgment that was IIB suppose to report? 

As as we all know Eqifax is a ****bleep ***to deal with.

[Chilli]

I just need advise on how to deal with this....

I would appreciate any advise.

thank you in advance.

[gdale6]

You need to file a motion to vacate the judgment in the court that granted it based on the BK, once this gets done and its granted the judgment is gone from your CRs.

[Chilli]

do you think I can file with the court to vacate even if cap 1 already filed with the court that it is satisfied?

thank you so much for answering and your advise.

[gdale6]

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@Chilli wrote:

do you think I can file with the court to vacate even if cap 1 already filed with the court that it is satisfied?

thank you so much for answering and your advise.

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Yes you should be able to get it vacated in any state based on your BK discharge, federal law always trumps state law and I say this because some states allow you to vacate a judgment that has been paid.