Thanks guys for clearing this up. Knowledge is really power. I had no idea what the difference was, Now I know. The funny thing about the CC judgement, I was never served. I just woke up one day and my account was frozen. I had to find a way to pay them to release my account. They never told me anything except how to get their money. I thought there was nothing else for me to do but to pay and get out of that situation. Now I found this board and know how to seek information first, I knew i should have gone to court. I didn't even get a court date. Last week, I checked at the court and got a copy of the files, it is not even listed as satisifed by the court. They told me I need to contact the attorneys so that they can send proof that it was paid. I'm calling everyday but no answer. Should I file a motion now to get this vacated? This was done in April 07.
6/20/08 TU=553 EQ=577 EX=458
07/16/08 TU=599 EQ=621 EX= 556
8/05/08 TU=632 EQ=652 EX=598, 9/30/08 TU=632 EQ=655 EX=616