Judgment VACATED!!! ***why wont they delete it!!!?***

[BrandonSS]

Well I did go 0-3 on getting it removed.  I thought about your EQ contact but, I didnt message you due to the fact that I have to go through CSC.  I already redisputed with all 3 by calling them and refaxing.  Hopefully it goes better this time around.

[Anonymous]

I think that's it's a possibility that it hasn't been updated by the county clerk's office, I would email them (for paper trail purposes) and calmly, politely, let them know the situation and see if they will review and update.

It's worth a shot.

[BrandonSS]

I went ahead and called.  The clerk said that it is vacated and closed in their records.  I guess I'm at a dead end.  So far no CRA will delete it.  Guess I'll get back on the phone and call them all again.  

I did call Experian and actually got someone that seemed american.  He seemed to understand and agreed that it should be deleted so I refaxed him the hard copies i have here.  Hopefully they remove it today.

I really thought the court system would be the largest hurdle...

[Anonymous]

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@BrandonSS wrote:

I went ahead and called.  The clerk said that it is vacated and closed in their records.  I guess I'm at a dead end.  So far no CRA will delete it.  Guess I'll get back on the phone and call them all again.  

I did call Experian and actually got someone that seemed american.  He seemed to understand and agreed that it should be deleted so I refaxed him the hard copies i have here.  Hopefully they remove it today.

I really thought the court system would be the largest hurdle...

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Never underestimate the ability of CRAs to screw up the unscrewupable! 

[Anonymous]

Keeping my fingers crossed for you!

[BrandonSS]

Well... Experian finally deleted it!!!  However, the FAKO didnt budge... interesting considering it was one of the things listed as hurting my FAKO score.  Wish i knew what the FICO was... I have no collections or PRs on that account at all, but still sitting on a weak 649 FAKO.

Hopefully CSC (EQ) and TU follow EX's example soon and maybe I'll see a point increase. 

[toddk]

Please do let us know how it turns out, I am in the process of vacating a judgement as well- mine only shows with TU though.... go figure!

[MarineVietVet]

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@BrandonSS wrote:

Well... Experian finally deleted it!!!  However, the FAKO didnt budge... interesting considering it was one of the things listed as hurting my FAKO score.  Wish i knew what the FICO was... I have no collections or PRs on that account at all, but still sitting on a weak 649 FAKO.

Hopefully CSC (EQ) and TU follow EX's example soon and maybe I'll see a point increase. 

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Congratulations on the delete but I have three things to say about FAKO scores:

Ignore, ignore, ignore.

I can't say that often enough. They are worthless in calculating any aspect of credit managment and will only confuse you. Put them out of your mind.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

myfico is running the promotion to get your free fico scores. You have like a 7 day grace periodand then would be cahrged 11.99 - or so, but you can cancel before hand and not get charged.

Now you can see your real fico -

[BrandonSS]

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@Anonymous wrote:

myfico is running the promotion to get your free fico scores. You have like a 7 day grace periodand then would be cahrged 11.99 - or so, but you can cancel before hand and not get charged.

Now you can see your real fico -

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I subscribe to score watch through here.  I have my FICOs for EQ and TU, but obviously we cannot get our EX from anywhere except that one credit union or something.