Saturday, October 24, 2009

How to get something that has been paid off my credit report?

I had a judgement on my credit that was paid about a month and a half ago. I have papers from the local courts stating that it was satisfied. How do I get my credit report to show the same.

How to get something that has been paid off my credit report?
There are 3 different reporting agencies, Experian, Equifax and TransUnion. You need to determine if this is showing on just one or all three. Then, you can dispute the error individually at each one by writing them a letter and sending them a copy of the judgment satisfaction OR writing to the courthouse in the municipality that the judgment was filed with a copy of the satisfaction and ask them to fix it directly. This is probably the faster way. Good luck.
Reply:I would contact the company or agency to which you owed the debt and get them to fix it asap. As the other responder reported in all likely hood the reported item should be changed to a "paid status" or "settled in full" depending on how the debt was resolved.





Sometimes you can run into hurdles which can make it difficult to fix items on your credit report, there are a few companies out there that can help you with this, A good start for more information on this can be found below
Reply:The judgment won't be removed but should be updated to paid status. Sometimes it takes 60 days for updates.





You could try sending the credit bureaus a copy of the court papers showing the paid status.
Reply:You need to call the credit reporting agency. For example if it is Equifax stating this, you call them and they will correct it.

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