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Kevin C Mallon

Kevin Mallon’s Answers

37 total

  • I entered in a consent judgement with my apt complex, will the appear negativly in my credit report

    they were evicting me for a 75.00, late fee. the judge waived the late fee, ordered me to pay attoney fees and release me from the last two months obligation of the lease

    Kevin’s Answer

    If the judgment was entered in a specialized court for housing matters it likely will not appear on your Experian, Equifax or Trans Union reports. It will however appear on any specialized "tenant screening reports" often used by landlords.

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  • I found two account mention twice with same number in one of my credit bureau my question is did they have match

    i found two accounts mention twice in one of my credit reports my question is did they have to match or have to be different from each other the CA updated negative information without letting me know what the FCRA said about this. How do...

    Kevin’s Answer

    An account can be reported twice if it is being reported by both a third party debt collector and the original creditor. The credit reporting agencies supposedly have systems in place to make sure this doesn't have a double negative impact on your credit score. You should be able to locate the date they are claiming an account became delinquent on your credit report - and compare that to you records to see if the account was "re-aged."

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  • How long I have the time to dispute incorrect information after receiving my credit report from the three credit bureaus

    my question is how long I have the time to dispute for inaccuracies from the three of credit reports agencies after I received them. (received from annual credit report) ex if received in 04/03/2015 I heard 60 days but I am not sure if this is co...

    Kevin’s Answer

    There is no time limit to dispute inaccuracies on your credit report. So long as the inaccurate information remains on your credit report you can dispute it with the credit reporting agency reporting the information.

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  • How can I fix my credit score the right way?

    My credit score according to Experian is 577. I pulled my credit report and went through each item. Three were disputed, only two removed. I am still working on the third. The other items on there are correct. Some of them say they will be on reco...

    Kevin’s Answer

    If they are with third party debt collectors you might be able to get a "pay for deletion" but that is not guaranteed. Banks and other original creditors will only never agree to a "pay for delete" scenario. Keep your credit card balances low - ideally below 20% of total credit limit - that will help raise your score. Obviously attempt to have inaccurate information removed. Finally, even though negative accounts can remain on your credit report for 7 years their negative impact reduces over time. Good luck.

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  • A credit union in my former home state of Indiana has, for years, refused to correct a paid off balance on my credit report.

    This Loan was charged off AFTER I did NOT follow bad advice to file for a Chapter 13 bankruptcy action in 2009. The credit union charged the account off in November 2009 and referred it to an attorney for collection. I paid this account IN FULL ...

    Kevin’s Answer

    • Selected as best answer

    Any negative information should be removed 7.5 years after the date of first delinquency. The only thing that can stay on your credit report for 20 years is a bankruptcy. You should contact an experienced attorney for assistance.

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  • If I have a DOJ judgment, what country can I live in and be protected from collection?

    If I own real estate or have a bank account in another country, can the DOJ lien it?

    Kevin’s Answer

    What do you mean by DOJ judgment? Typically a judgment needs to be filed in the county you own real estate to effectuate a lien on the property. Personal property can be seized if the judgment is anywhere in NY State.

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  • I am a judgment creditor in Suffolk county and the debtor refuses to pay. What are my options?

    The amount of money is fairly sizable, and I'd like to aggressively pursue enforcement.

    Kevin’s Answer

    Are you seeking to collect from a company or individual? Either way you'll need some professional help locating their non-exempt assets.

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  • How do I issue a head of household exemption affidavit in New York

    My landlord is trying to sue me and attach a wage garnishment but i am the primary provider of my household. How do i stop this from happening?

    Kevin’s Answer

    If your landlord is attempting to garnish your wages that must mean he has already obtained a judgment against you. Were you served with notice of the lawsuit? If not you should move to immediately vacate the judgment.
    If the judgment was validly obtained there are exemption forms you can fill out if you believe your income should be exempt, and you can make a motion to the court to have your income considered exempt based on a hardship.

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  • How can I reclaim stolen money from identity fraud scam?

    I was a victim of identity theft. Someone stole my bank information and stole the money from my bank and 401(k) accounts. How do I reclaim that money back from those institutions (bank and brokerage firm) and hold them accountable?

    Kevin’s Answer

    Certainly filing a police report will help. Make sure you document you dispute to the bank in writing as well - don't just rely on oral conversations.

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  • Can an attorney in CT help with a Delete for Payment on charge off accounts that are legitimate?

    Looking to see if any attorney can help with this credit repair?

    Kevin’s Answer

    You can probably handle these on your own. Don't listen to anyone who tells you that "Delete for Payment" is not done - third party debt collectors routinely do "delete for payments." You are not likely of find an original creditor willing to do this, however. If you do want to find an attorney in CT to help use the Avvo search attorney feature.

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