Re: Removing a Judgment from your Credit Report

Lboo · ‎04-26-2015

Instead of removing the paid judgment, it was marked as satisfied and my score went down 7 points as if it were new

Starting/Current Scores: MyFICO EX 547/608, EQ 557/585, TU 555/606
Goals: Raise my scores to 620 to get a mortgage then car loan early 2016
Other Notes: Started with 23 Collections and 3 Judgments
9 dropping off 2015 - 8 paid waiting for Goodwill deletions
2 Judgments Paid – One deleted/waiting for second one to delete in July 2015/Paying third judgment August 2015 and deletion
2 cell phone collection disputes (Verizon and U.S. Cellular) and 4 collections to pay by August 2015 for DEBT FREEDOM!!!

gdale6 · ‎04-26-2015

@Lboo wrote:
Instead of removing the paid judgment, it was marked as satisfied and my score went down 7 points as if it were new

File your CFPB complaint and argue dismissal is the same as it being vacated (as if it never occured). In the box of what you want demand removal of the PR from your CR. An updated PR does not result in score drops like an updated OC or CA does, something else small caused the score drop.

http://www.consumerfinance.gov/complaint/

Lboo · ‎04-26-2015

Thank you. I thought I would have to file something in court. Only one Credit bureau reported like this. Haven't heard from the other two. Hopefully this should take care of it. I just don't understand why the score went down when they updated it as paid?

Starting/Current Scores: MyFICO EX 547/608, EQ 557/585, TU 555/606
Goals: Raise my scores to 620 to get a mortgage then car loan early 2016
Other Notes: Started with 23 Collections and 3 Judgments
9 dropping off 2015 - 8 paid waiting for Goodwill deletions
2 Judgments Paid – One deleted/waiting for second one to delete in July 2015/Paying third judgment August 2015 and deletion
2 cell phone collection disputes (Verizon and U.S. Cellular) and 4 collections to pay by August 2015 for DEBT FREEDOM!!!

Lboo · ‎04-26-2015

I mean satisfied.

Starting/Current Scores: MyFICO EX 547/608, EQ 557/585, TU 555/606
Goals: Raise my scores to 620 to get a mortgage then car loan early 2016
Other Notes: Started with 23 Collections and 3 Judgments
9 dropping off 2015 - 8 paid waiting for Goodwill deletions
2 Judgments Paid – One deleted/waiting for second one to delete in July 2015/Paying third judgment August 2015 and deletion
2 cell phone collection disputes (Verizon and U.S. Cellular) and 4 collections to pay by August 2015 for DEBT FREEDOM!!!

gdale6 · ‎04-26-2015

@Lboo wrote:
Thank you. I thought I would have to file something in court. Only one Credit bureau reported like this. Haven't heard from the other two. Hopefully this should take care of it. I just don't understand why the score went down when they updated it as paid?

ok, i thought once satisfaction was filed that it automatically came with a dismissal, if I am in error then you would need to see about getting the dismissal and presenting that to the CRAs in a dispute before filing a complaint with the CFPB.

Lboo · ‎04-26-2015

It was dismissed. It says it on the satisfaction of judgment. I even sent the court order. They did not remove it just updated it as satisfied. The CR is Equifax

Starting/Current Scores: MyFICO EX 547/608, EQ 557/585, TU 555/606
Goals: Raise my scores to 620 to get a mortgage then car loan early 2016
Other Notes: Started with 23 Collections and 3 Judgments
9 dropping off 2015 - 8 paid waiting for Goodwill deletions
2 Judgments Paid – One deleted/waiting for second one to delete in July 2015/Paying third judgment August 2015 and deletion
2 cell phone collection disputes (Verizon and U.S. Cellular) and 4 collections to pay by August 2015 for DEBT FREEDOM!!!

gdale6 · ‎04-26-2015

@Lboo wrote:
It was dismissed. It says it on the satisfaction of judgment. I even sent the court order. They did not remove it just updated it as satisfied. The CR is Equifax

Ok, there is nothing else then that I see you need to file with the court and its time to proceed to the CFPB complaint but I would wait to see what the other 2 CRAs are going to do.

Lboo · ‎04-26-2015

What if the other two delete? What if they do the same thing?

Starting/Current Scores: MyFICO EX 547/608, EQ 557/585, TU 555/606
Goals: Raise my scores to 620 to get a mortgage then car loan early 2016
Other Notes: Started with 23 Collections and 3 Judgments
9 dropping off 2015 - 8 paid waiting for Goodwill deletions
2 Judgments Paid – One deleted/waiting for second one to delete in July 2015/Paying third judgment August 2015 and deletion
2 cell phone collection disputes (Verizon and U.S. Cellular) and 4 collections to pay by August 2015 for DEBT FREEDOM!!!

Lboo · ‎04-29-2015

Update: Transunion DELETED the judgment!!!!

Starting/Current Scores: MyFICO EX 547/608, EQ 557/585, TU 555/606
Goals: Raise my scores to 620 to get a mortgage then car loan early 2016
Other Notes: Started with 23 Collections and 3 Judgments
9 dropping off 2015 - 8 paid waiting for Goodwill deletions
2 Judgments Paid – One deleted/waiting for second one to delete in July 2015/Paying third judgment August 2015 and deletion
2 cell phone collection disputes (Verizon and U.S. Cellular) and 4 collections to pay by August 2015 for DEBT FREEDOM!!!

gdale6 · ‎04-29-2015

@Lboo wrote:
Update: Transunion DELETED the judgment!!!!

Well great, that is what they all should be doing with a dismissal.

Removing a Judgment from your Credit Report

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