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Filing date of judgement is different from date listed on credit report.

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Rebuilding69
Established Contributor

Re: Filing date of judgement is different from date listed on credit report.

66 points! That must have been his last major derog?



Message 11 of 19
Anonymous
Not applicable

Re: Filing date of judgement is different from date listed on credit report.

Not quite, there are 2 collections due to drop this month. Then perfect record. Very odd but ex had no negative info at all. Just positive. No judgement no collections.
Message 12 of 19
Anonymous
Not applicable

Re: Filing date of judgement is different from date listed on credit report.

Thanks for the docketing info! I'll start the ball rolling on that Monday. Regardless, if I can get the dates changed or no,t it's good to know that I have a possiblity of getting early exclusion on judgements as well.

 

From what I read on this forum you can get a judgement vacated if he was improperly served. You can request the service info from the court where the Judgement  was placed. I, like Rebuilding, didn't show up for my court date because I assumed that being in contact and negotaiting payment was all I needed to do and judgement would be thrown out the window. Yeah I know, stupid. 

 

Wow, if my judgement  falling off netted me 66 points I would keel over. It's my last baddie and the only bad thing on all three reports so my fingers are crossed. 

 

Experian is an interesting one. In my case, they seem to hang on to anything and everything. The other CA's dropped most of my stuff a few months early without me even having to request it.  The only thing I had left was the judgement and one collection on Experian.  I called them mid june to ask for early deletion of the collection( 2 months ealy) because I heard they would remove it 3 months early. They turned me down, but I was very polite and thanked them  for their  time when they told me to call back April 1. I called them July 1 and after being transfered once my collection was removd. The phone call took less than 5 minutes.  It was due to fall of August 16 of this year.  The number I called was 1-800-360-7580. Note this account was not my oldest account and it was shown as being in collections so I wasn't in danger of having my Aaofa taking a hit. 

 

Oh, one last thing. I don't think it's odd that one report had collections info that another doesn't. They not only differ in how long they keep stuff( my point about Experian having a collection nobody else had) I also think it depends on who the collector reports the info to

 

I'll update if I get my judgement updated and EE. Otherwise Kaylavaand I will have our judgement removal day party April 16th of next year!

Message 13 of 19
Anonymous
Not applicable

Re: Filing date of judgement is different from date listed on credit report.

Lol
Message 14 of 19
Anonymous
Not applicable

Re: Filing date of judgement is different from date listed on credit report.

Isn't funny. EX recently removed every derog I had on my CR's, including my public records which contain my 2007 CH 7, and 2 open judgements. EQ and TU both contain my public records. I've had some success with TU removing early, but not much with EQ. My EX score went up 152 points overnight when they removed my public records. So my EX score is 790 while TU is 700 and EQ 710. I wish I could fast forward to Dec 2016. By than, I should have everything deleted regardless if TU and EQ report.
Message 15 of 19
Anonymous
Not applicable

Re: Filing date of judgement is different from date listed on credit report.

That's fascinating, did you ask Ex for the early exclusion or did it just happened? The collections ee was the first love I'd gotten from EX.
Message 16 of 19
RobertEG
Legendary Contributor

Re: Filing date of judgement is different from date listed on credit report.

Most states have a period from which the judgment was entered in which to file a motion to vacate based on error in the judgment, such as lack of proper service of notice on the defendant.

You should consult your state rules of civil procedure or an atty for details.

Message 17 of 19
Anonymous
Not applicable

Re: Filing date of judgement is different from date listed on credit report.

I'm not sure what happened with EX. One day I got alerts on my phone (I subscribe to all 3 CA's monitoring) that my EX report had changes, and my score had climbed 152 points. I went on and all my public records were gone and my one HSBC 428.00 C/O was also deleted. I had no disputed anything with them and I still had approximately 12 - 18 month's to go to reach the 7 year mark with these accounts. I don't know why they were removed, but I certainly didn't want to try to find out. This happened in April. My score went from 638 to 790 overnight, a gain of 152 points. I've been working with TU and EQ to get some of this stuff removed, and I've had a few winner's and some losers, but nothing like EX.
Message 18 of 19
Anonymous
Not applicable

Re: Filing date of judgement is different from date listed on credit report(update)!

Sorry to bump my own thread so many months later, but after vasilating back and forth as to wether I just wanted to let the judgement age off, I disputed with EX and TU last week via phone.  I told them what I believe to be truth,  the dates they listed for the file dates were actually the dates I paid the debt off and therefore the judgement was too old. I hadn't heard anything, but as of this morning, I checked my CCT reports and TU removed it.!  That score went from 711 to 775! I havent heard anything from TU about removing it so I'm a little afraid to celebrate too soon. Is it possible they could put it back later or am I safe to throw a mini party?  For the record, the Judgement was the only bad thing left on my report! I have 7 active accounts, The oldest account is 18.7 years and my AAoA is 5.8.

Message 19 of 19
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