Judgement deletion
Date: Tue, 07/12/2005 - 12:06
Judgement deletion
Hi Janjagiza Welcome to the forums. Based on your credit repo
Hi Janjagiza
Welcome to the forums. Based on your credit report, your financial worthiness is evaluated and you are required to keep it clean for acquiring new credit.
If you have a judgment in your credit report and it is unpaid, then it will be negative remark and will stay for as long as seven years or until the statute of limitations runs out, whichever is longer
If you have paid the judgment and it is appearing in your credit report, then you will have to file a dispute to the credit bureau or the creditor to get it removed. Make sure that you pull the credit report from the three bureaus to see and compare if the entry is accurate. Under the new law, credit bureaus and information providers are responsible to correct any incorrect or incomplete data in your credit report. Please send a letter of your dispute and they will investigate the matter and notify you within 30 days. They will send you a fresh copy of your credit report if any changes are made.
Accurate data must be disclosed in your credit report so that anyone who has the permission to view it gets perfect facts and figures about your credit history.
None other than you can fix your credit report. It is the time only and your good pay history that can get it removed.
Regards
Roxette
How can I get judgement
How can I get judgement delete from my credit report?
Well, first get the most recent version of your report to see if that judgment is accurate and has complete information.
If the information entered on your report is in error, then you should write the credit bureau and tell describe to them what you believe is inaccurate.
The credit bureau must investigate the item in question within thirty days of your notice.
When the investigation is complete, the credit bureau must give you the written results of the investigation. If the investigation results in a change of your report, then they will have to give you a new credit report in order to show you how this change will be reflected.
However, if this judgment is legitimate and accurate, then you may be out of luck. Credit bureaus could report negative information for as long as 7 years.
Information regarding a criminal conviction could be reported on your credit report for an unlimited amount of time.
And information about a lawsuit or an unpaid judgment could be entered on your report for 7 years or until the statute of limitations runs out (whichever one is longer).
