Judgements removed

[mountaindews]

I did a dispute on 2 judgements for my boyfriend. One was paid the other wasn't. I checked with innovis and nothing was on their report so I disputed them. EQ removed both TU so far removed 1 and I am waiting for EX...here's my question...What do you think the likelyhood of both being removed from all three CRA's? If they aren't how do I dispute? Can I use EQ as a basis saying that they couldn't be verified and were deleted from that CRA so therefore should be deleted byt the other two.LOL Could that be used???

[mama3]

what did you put in your dispute letter to CB to get deletions for judgments? I have one pd from 2006 and need to get it deleted. what do i do??

[scorch]

I have had fantastic results by simply telling the CRAs,

"Dear CRA, the following TL(s) is/are inaccurate. Please verify or delete it/them as soon as possible. Thank you."
(List TLs)

Another thing I would recommend is not to use that when disputing a detail in a positive credit item or at least be careful with your wording. They would delete the account from your credit report!

[mama3]

I am doing this myself and need to get a pd judgment deleted. My credit report does not state pd though. I am nervous and do not want to mess it up. I need to get this judgement deleted and several paid charge offs deleted. I also have the OC on there with a 0 balance and the collection agency with a paid off/0 balance. Where do i start and what do I say???? THanks for your help.

[markymw]

Originally Posted by mama3

I am doing this myself and need to get a pd judgment deleted. My credit report does not state pd though. I am nervous and do not want to mess it up. I need to get this judgement deleted and several paid charge offs deleted. I also have the OC on there with a 0 balance and the collection agency with a paid off/0 balance. Where do i start and what do I say???? THanks for your help.

lexington law is effective with removing chargeoffs/collections, doing it yourself is a long procees...

[Trish]

It can be a long process either way.....
Doing it yourself does take a little more time and effort on your part.

[CreditCrisis]

so..i got an account with PACER and looked up all judgement, public records and other on mine and my husbands credit and was only able to locate one. so woo hoo!!! now i have some leverage if and when the CRA's try to say "umm..yes, we verified these accounts" lol

[CreditCrisis]

If I can get both of these judgements removed, It will remove $14,880 from my husbands credit and $5,150 from mine. Do you think this will affect my score significantly? Or at all? Or what?!

[Trish]

You know........I'm really not sure how much impact a judgment has on your score. In my personal experience......it did not affect mine or my husband's scores significantly..........which I thought was odd.

I really think the worst thing about a judgment on your CR is the HUGE red flag it puts up for potential lenders.

[jboylecpa]

I have three separate judgments on my CRs.

Should I dispute all three at one time in one letter or just one at a time?

Thanx.