Judgment Question :)

[CourtneysMoM]

I have a few questions about judgments and hope you can help!

My husband and I both have a tax lien on our credit report. I disputed it online (before finding this website ) It came back as new information and now on Ex it says paid and closed and just FYI didn't impact credit score one bit. What do you suggest I should do for the other two (Tu and EQ)
Should I send out the dispute letters and wait to see what happens?
Why wouldn't they delete it if its being reported wrong in the first place? It is paid and it says not paid on the other two?

For my credit report what next? Send out the dispute letters?

Thanks

[jjgross]

By all means dispute them. Sorry it took so long.

[chane]

Yes, all you can do is dispute them and go from there.

[CourtneysMoM]

Ok I went to Fico.com and got my credit scores but where do I get my Experian Score? I will be sending the Judgement dispute letters out on Monday!

[chane]

Originally Posted by CourtneysMoM

Ok I went to Fico.com and got my credit scores but where do I get my Experian Score? I will be sending the Judgement dispute letters out on Monday!

That's a good question. Since Experian got out of their contract with FICO and FICO was (and still is really) the credit scores that the banks use, there really are not real credit scores from Experian anymore.

[CourtneysMoM]

Okay so the only thing you can do to get Ex's score is from their website?

A few more questions...

I paid an oc a while back for a $30 co pay and the Ca is reporting it as paid. Can they report this at all?

Does it still improve your score to be on someones credit card as an authorized user, that has a perfect 6 year history with the CC?

I am trying the 1-2 punch right now and will be disputing the judgements after the investigations it complete dont want to give them anymore time!

[jjgross]

Originally Posted by CourtneysMoM

Okay so the only thing you can do to get Ex's score is from their website?

A few more questions...

I paid an oc a while back for a $30 co pay and the Ca is reporting it as paid. Can they report this at all?

Does it still improve your score to be on someones credit card as an authorized user, that has a perfect 6 year history with the CC?

I am trying the 1-2 punch right now and will be disputing the judgements after the investigations it complete dont want to give them anymore time!

If you paid it off then dispute with the ca again.And being an au is still a good thing.

[CourtneysMoM]

Yes but It is still a collection account and I want as many of them off as possible since my husband and I are trying to buy a home.