How to remove a judgement in IL?

[Anonymous]

My landlord shafted me by placing an old "bill" as a judgement. But that was more than 7 years ago. The judgement "expired" in September. It is now January and still shows on my report.  My score in in the 580 club. I want it over 600 and think this can do it.

How do I get the report removed from my record?

[Anonymous]

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@Anonymous wrote:

My landlord shafted me by placing an old "bill" as a judgement. But that was more than 7 years ago. The judgement "expired" in September. It is now January and still shows on my report.  My score in in the 580 club. I want it over 600 and think this can do it.

How do I get the report removed from my record?

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First of all how old is the judgment? When you say "expired" do you mean the actual judgment's SoL (which for IL is ten years, unless renewed ... which then is another 10 years of being valid) or do you mean the Credit Reporting Time Period of 7 years?

Regardless of how long since filed, if it's been more than 7 years, dispute the entry with the CRAs as "obsolete."

I ask about which "expiration" -- SoL or CRTP -- simply because in IL (and many others), the plaintiff can have the judgment renewed (around the ten-year mark from date filed). If that's the case (and not sure here), I *think* once it's renewed, it goes back on your CRs as a "new" judgment.

[203bravo]

Biggest question here is has the judgment been satisfied or not?  If it has not they can reaffirm the judgment in most states.

[llecs]

It is only supposed to report for 7 yrs from the date it was filed. If that time has past I would dispute via mail to the CRA(s) as being time-barred. To support the dispute, I would include a copy of the judgment showing the filing date.

ETA...good golly, I am a slow typer.

Message Edited by llecs on 01-07-2009 10:26 AM

[Anonymous]

same member, different screen name. Lost original PW.

It has not been satisfied.  It was bogus to start. Long story but to get to some of the dirt, our original court date was set for 9-11. No court that day of course.  We were never notified of new date.  My brother about 2 years later tries to get a loan for school and is denied due to the judgement. We have been fighting our incompetent lawyer since and also tried to contact the other lawyer to no avail.  So we let it sit. It showed on my report that it was due to expire or be removed in September of 2008. 

So now I wonder what to do know.  We are planning on moving in the Spring and want to get this cleared up, among some other smaller things.

[fused]

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RedSoxx wrote:

It showed on my report that it was due to expire or be removed in September of 2008. 

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Do you still have a Hard copy of this credit report?

[Anonymous]

Does your report show it is still due to be removed September 2008? If so, it appears this was filed in September 2001, and I would dispute it is obsolete with the CRA, as suggested.

Some states have court cases online, maybe you can check your state and if they do, you can find out exactly when it was filed.

I believe IL does.