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2010
Can someone give me some advice about the judgement on my credit report?
I never had a credit card but wanted one . I applied at small department stores to get my first credit card but i was denied for insufficient credit . Being offered a free credit report i wanted to see what was on it. Everything was clear but it said i had a judgement of 8,000 dollars plantiff was the probation office I was entitled to pay restitution and signed a plan to pay 250 everythin month for 3 years but i paid everything off in just 6 months . How can they put a judgement on me when id id make my payment on time…i signed a form indicating i will pay every month..aren’t judgements given to those who don’t pay their debt or restitution. Do i have the right to dispute this ..Is this information on my credit inaccurate . I’m really concern now > I wanted to get my first credit card and start building credit to have a sucessfull future . I went from No credit To judgements on my credit .without ever having a credit card on my hand. please HELP.
The Judgment was filed when it was issued….It was probably filed with your County’s recorder’s office….so any inquiries w/ your social security number would show up….
Contact the place/person to whom you paid the entire judgment and ask them to file somesort of Satisfaction of Judgment document……my guess is so few actually pay their debts they are not in the habit of the “follow up” document.
Call the credit agencies ALL THREE and get the detailed information that your “creditor” needs to clear this up with little effort on their part….its your credit…protect…
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