How often are Judgments Reported/Updated?

[Anonymous]

Hi Everyone

It's my understanding that judgments are not reported by the courts, instead they are reported by a data furnisher. I have a judgment that is reporting incorrectly, in the notes it says medical and it was actually an apartment complex. I want to dispute this inaccurate reporting hoping the judgment ends up deleted, rather than corrected. I do plan to pay this judgment soon with my income tax money. My question is if I were to get it deleted would it reappear once it is recorded as satisfied? How often to the data furnishers sweep for information, monthly? Yearly? Do they go back and look at status updates from judgments from 2009 or do they scan all court records for the current year? How is it that some people have paid judgments that still report as unpaid years later, did they just fall through the cracks?

Please let me know your thoughts and thanks in advance.

Thanks T.

[Burned2manybridgesB4]

Bump

[Anonymous]

Problem with judgments are when you dispute they are rarely sent to anyone for verification.  The CRAs can access the system and see what is there.  If it needs to be corrected they could simply to that.  The CRAs can update/deleted based on their own findings.

Once an account is deleted, it would need to be certified by the CRA as being correct before it could be reinserted.

Who ever was responsible for receiving the money was responsible for notifying the courts the judgment has been satisfied.  Sometimes they fail to do that.  Other times the courts fail, for whatever reasons, to have the satisfaction recorded.

[Anonymous]

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@Anonymous wrote:

Problem with judgments are when you dispute they are rarely sent to anyone for verification.  The CRAs can access the system and see what is there.  If it needs to be corrected they could simply to that.  The CRAs can update/deleted based on their own findings.

Once an account is deleted, it would need to be certified by the CRA as being correct before it could be reinserted.

Who ever was responsible for receiving the money was responsible for notifying the courts the judgment has been satisfied.  Sometimes they fail to do that.  Other times the courts fail, for whatever reasons, to have the satisfaction recorded.

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Thanks for your response. What system does the CRA use to verify their information? If the information was originally supplied wrong in my example "medical" would they attempt to verify it using the same supplier who gave them the wrong information in the first place?

Also, when you say it needs to be "certified" does that mean it needs to come directly from the courts to be reinserted or will the data supplier scan public records again and see that a satisfied judgment has been entered and report that.

What data pool are they looking at? My county doesn't have online records. Do they have a different system full of public records that the public doses' have access too?

Again, thanks for your help.

[Anonymous]

If they can contact the creditor then they will.

For judgments the CRAs can look up in PACER to see if there is something reported there.  If it is incorrect in there and is reported the same it would probably be verified as accurate.

They don't go to the supplier of the information.  Those suppliers get the information from the court records and upload them to the CRAs.

I honestly do not know how the CRAs would certify that something being readded is correct.  I just know they have to.  And they have to notify you within 5 days of the reinsertion.

I would contact the courts where it is filed and see if maybe it was filed incorrectly there.  Also find out if the satisfaction was ever filed.  States have laws for when these satisfactions have to be reported.  If it was an attorney that failed to do so I would contact your State Bar Association.

I am not suggesting you don't dispute.  It is incorrect so you have grounds to do so.  Just telling you what could happen.

[RobertEG]

There is not normally a "furnisher" of public record information to the CRAs.

Being as the information is in the public record, the CRAs obtain the information, and place them in consumer files as a means to supplement their records, and thus make their credit reports more valuable to their customers.

That is the reason why public record information is specfically exempted from the direct dispute process, as there is normally no classic "furnisher of the information."

Its accuracy can be verified by the CRA by a simple review of the posted public record.  They can rely on the fact that the court has posted the record as prima facie showing of its current accuracy.  Inaccurcy by the court would need to be addressed with them, outside of the FCRA dispute process.

[Anonymous]

Thanks for the information. To clarify I cannot dispute a judgement for inaccuracy? I've spoken with the courts before and they told me the don't report to CRA. So I think it's a middle man somewhere who is making a mistake. No where on my judgment from the court does it mention any type of medical, again it was for an apartment complex.

I'm have it paid by end of month. And assuming the proper satisfaction papers are filed promptly how long before the CRA report it as satisfied?

Still a lil fuzzy on who? when? and how often judgements are updated? If courts don't report directly to CRA how is this info given to them and how often?

Thanks again for all the answers.