“My credit check upset me so much I ate a whole Oreo 31 Below Pie…all by myself!. That’s how upset I was when I saw my scores,” writes Sandy T, Colorado Springs, CO
“I paid off a judgment and it’s still showing up as unpaid with a balanced owed,” adds Sandy.
Question: “How do I get a paid judgment off my reports? It’s paid off, I can prove it’s paid off.”
Response: Daily, I receive tons of questions similar to Sandy’s.
Obviously, I’m not an attorney and I don’t play one on TV, but I do think playing in cake looks fun 
Unfortunately, I simply can’t respond to all the questions received, though I respond to common questions & lots of credit-building secrets inside my monthly newsletter, “The Big Explosion.”
Note: “The Big Explosion” is our monthly newsletter filled with step-by-step credit repair & credit-building secrets, tips & strategies with success stories directly from members. You really can recover from bad credit and get whatever it is you want!
GOODBYE JUDGMENT
Sorry about that, my excitement got the best of me for just a moment.
Now, please hear this: the Fair Credit Reporting Act [FCRA 1681c(a)(2)] requires the following information be left off your credit reports: “Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period”.
By the way, the date of entry is the filing date, without regard to whether or not the judgment is satisfied:
- Is this judgment listed as ‘satisfied’ on your credit report?
- Does it show a balance owed?
Is it satisfied? Does it show a balance? Which one (or both) exists? It doesn’t matter, if either is incorrect.
Clearly, the judgment at best should be reported as “Satisfied.”
Next, go online to your County’s Clerk of the Court’s website and check the public records to confirm this judgment you’ve paid is marked as “Satisfied.”
If not, call the attorney for the judgment creditor and inform the attorney he/she needs to file the “Satisfaction.” While you’re at it, request a certified copy for your records.
Report 100% Accurately or Delete!
The attorney might not file the “Satisfaction,” in which case you should file a dispute. You see, it’s simple…either your every account on your reports is 100% accurate or it’s deleted. Further, it’s not your job to convince the Big 3 this account is inaccurately reported.
Send your dispute certified mail, return receipt requested (CMRRR). Yes, CMRRR costs a couple bucks but you need to pay the money to prove you have mailed it, just in case they try to get you to go away.
As you’ve heard me say, my credit check shocked me once as well..actually more than once. The shock wears off, so you don’t need to stuff yourself with a whole Baskin Robbins Oreo 31 Below pie! For heaven’s sake, next time at least save a piece for me
My credit check (once upon a time) nearly gave me a heart attack when I discovered identity theft. I hope you never experience the horror and pain of identity theft. Bad credit is painful enough. Please scroll down & leave me a comment or question. I’ll help you if I can. Grab my CD or DVD, 8 SECRETS TO A 680 CREDIT SCORE! Discover 2 powerful secrets for adding good credit to your credit reports, even if you’re 1-day out of bankruptcy. PLUS, discover some dangerous (and costly) tricks and traps perpetrated by debt collectors and BIG 3 credit reporting agencies. You won’t believe how THEY are putting the screws to you…and you didn’t even know it.
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