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#1
07-12-2006, 05:09 AM
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Oh What a Slippery Sloop with a JR
Bad News: Judgement against husband on 3/3/05
Good News: Judgement paid off on 3/10/05 False Good News: Judgement never appeared on any credit bureau's Bad News: YIKES it is on our 20 year old sons bureau. Obviously he needs to clear this off.... I know he needs to dispute with Trans Union. Is this going to be battle royal? I don't want to point them to who's bureau it should really be on. Yep dad and son same name Joseph J *****.. Pretty obvious, when you look at sons bureau that the judgement is not his. No previous derog credit, no accounts charged off that correspond to judgement etc. In my quest to get him a letter stating that this judgment is not his. Talk about the run around. Circuit court says call the collection law office, they say call who they represented, who is turn says call the circuit court.... It's like watching a dog chase their tail.. I know a judgement is "public record" who sweeps these and reports to the bureau? IS the SS number even involved in the process?? Any direction guidance would be greatful... Need to get off sons bureau. Would be great if never appeared on husbands  Do you think that is possible?!?! :shock:
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#2
07-12-2006, 01:04 PM
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The date of filing of the judgment should appear only on your husband's file. The bureau that is reporting it has mistaken it by putting on your son's record. You don't have to put a hard run around in this case as it is their prominent mistake. Dispute the item with the bureau and they will immediately fix it. You don't have to give your SSN# primarily while disputing the item. They have all records in their system. If you query over the phone, you might need to give them some confidential information only known to you for verification purpose. Are you disputing the item online? It is better to send it through certified mail as well for records.
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#3
07-12-2006, 02:03 PM
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I disputed a judgement that was actually mine but didn't show that it was paid and it was removed from my credit report completely because the court didn't respond to the credit reporting agencies. So definately dispute it with whichever agencies have it listed on your son's credit report.
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#4
07-13-2006, 04:17 AM
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I was initially going to do a online dispute. Figured I needed a paper trail, so I'll go ahead and do by mail. I'm still stumped as to, when the judgment was orginially reported to bureau, was a ss# given. Or do they give just name and address?
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#5
07-13-2006, 04:19 AM
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Funny you should mention, not showing as paid. This judgement not only on wrong bureau, but also not showing as paid. Come to find out, the law office handling it, never went back to court and filed necessary papers to release. Which, it now being done.
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