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judgement against me

Date: Mon, 04/27/2009 - 05:47

Submitted by anonymous
on Mon, 04/27/2009 - 05:47

Posts: 202330 Credits: [Donate]

Total Replies: 7


I am so appreciative all of the help I have recieved over the year from this blog. Thank you guys-you really have helped me tremendously throughout the last few months..
Anyway, here I come yet again with another question..I have an old judgement against me for a medical debt. Which was paid when occurred..However, it still shows amount of $XXX.XX. THis was paid, what should it say on cr? How does it notate it was paid? Does it make a different on score if it was paid vs not paid? Also, is medical stuff alowed to be on cr? How should it be privately notated? I did dispute account, and it came off my tu file, however other 2 haven't been so lucky. Any thoughts would be greatly apprecieated..


Should say "paid" or something like that under the amount or wherever it is listed. and yes, medical bills can be on credit reports just like other bills. I have several still on my report that i'm working on.

I would dispute it again,with the other two (in writing explaining that you paid this) if they still come back as verified, request what verification they used (you have a right to that)


lrhall41

Submitted by beli2005 on Mon, 04/27/2009 - 09:11

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i disputed online with cra(i now know that wasn't possibly the best route for dispute) but tu verified the account on 03/09. The judgement was paid within a month of the court date because i paid half of it before the court date and the second half came outta of wage garnishment..then the collector continued to take payment via wage garnishment until i started to complain about overpayment..it took months to get a refund of overpayment..i know it was for sure paid..but not reported that way..


lrhall41

Submitted by on Tue, 04/28/2009 - 05:46

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Do you know if the CA is with ACA International creditors Association? Click here [url=http://www.acainternational.org/]click here[/url} and go to find a member then search for the collection agency's name. If they are file a dispute with them. They will contact the CA and make them update your Credit report. I had to do that with one of mine when Equifax came back as verified but didn't update it to paid.


lrhall41

Submitted by beli2005 on Tue, 04/28/2009 - 06:15

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Do that dispute in writing (with the CRA) because you need to send them proof of satisfaction of judgment. Online is going to be perfunctory because of the lack of evidence in your favor. The documentation is very important.

See my blog post Creditors Gone Wild. The relevant statutes of the Fair Credit Reporting Act are there - and you may wish to add them to your letter. Be firm but businesslike.

I'm sure you are anxious to get this behind you so that is the quickest route. You could probably drag this out another 6 months and sue the CA for FDCPA violations if that's the way you want to go.


lrhall41

Submitted by Chrys Henderson on Tue, 04/28/2009 - 19:49

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