Yeah!!!! Collection got removed and Judgment question

[Anonymous]

The last of 2 collections just got removed by EQ....Yeah!!!

Quick question too----

I purchased an EQ report from MyFico and the judgment that I paid off last year is showing as follows:

Date Filed: Aug 1, 2002

Status: Not Reported

Status Date: 6/2008

However, the report I received from Equifax FACT Act shows this same one as follows:

Type: Satisfied Judgment

Date Filed: 8/2002

Satisfied Date: 6/2008

Which report should I trust? 

[Anonymous]

The one directly from the CRA.

[Anonymous]

Okay.  If I do that will it affect my File Date?  Because it is due to fall off this Aug. 

[Anonymous]

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44redrum wrote:
Okay.  If I do that will it affect my File Date?  Because it is due to fall off this Aug. 

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Not sure what you mean.

FICO doesn't remove items when they reach CRTP....the CRA does.

Both reports show date filed.....judgments are removed 7 years from date filed, paid or unpaid.

[Anonymous]

sorry..that's what I meant basically....  So should I send a copy of the satisfied judgment and letter to update to EQ and have them update it to paid, or should I just leave it as is.

[Anonymous]

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44redrum wrote:
sorry..that's what I meant basically....  So should I send a copy of the satisfied judgment and letter to update to EQ and have them update it to paid, or should I just leave it as is.

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In your initial post you state that the report you obtained directly from EQ showed the account satisified.

IMO, if it is falling off in August-- leave it be.