No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
66 points! That must have been his last major derog?
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!
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.
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.