Judgements

Does anyone have any thoughts on how to handle a judgment that is showing up on my Equifax? The information is inaccurate in that the last name is misspelled - not just on the CR but also on the judgment itself, which is why I had no knowledge of it since it never popped up. It is an old dispute with a landlord that I didn't even know about until it showed up on my Equifax report. The landlord is long gone and never excuted the writ to enforce the judgment. The listing on my CR contains all kinds of inaccurate information but I want to make sure I word the dispute letter correctly the first time. Thanks in advance!

Even if it is not on your credit, the judgment would still be there and enforceable, sometimes for up to 20 years. It is public information so anyone can check.

It generally takes 7 years. You could try ordering a copy of your credit report and contact the different credit bureaus personally regarding the discrepancies found in your report.

Is it possible to have a judgment removed from your credit report if the information listed has an error? For example, misspelled name? How do I word a dispute to the CRA to remove due to error? I tried an online dispute about a year and a half ago and it came back verified. I left it alone but I'm really wanting to try disputing it again since it is incorrect. Any thoughts?

Typical judgments from unpaid credit card debts and other types of unsecured debts will remain for 7 years from date of judgment entry.