Hi. I've got three PAID and OLD NY state tax liens on my Trans Union report that the credit bureau refuses to remove even though they are older than 5 years. TU says they have 7 years to remove them. The other credit bureaus removed the items from...
You are correct that pursuant to the New York Fair Credit Reporting Act Trans Union was required to remove the paid tax lien from your report. In fact our firm has a similar case against Trans Union right now. You should reach out to qualified attorneys in NYC to assist you - and be wary of anyone not willing to take your case on a continent basis.See question
American Express sued me and won a default judgement for $3000. I paid the full amount through a wage garnishment. Can I now file a motion to vacate the judgement on the grounds that it has been paid?
No, paying a judgment in full is not grounds for having it vacated. But the judgment creditor is required to submit a Satisfaction of Judmgent to the Court, which is unfortunately often not reflected on consumer's credit reports. You should check your reports and if the judgment is not updated their contact a local FCRA attorney.See question
Today I received a letter from a debt collector First National Collection Bureau, Inc. I'm assuming that purchased an old debt from Pinnacle Credit Services,LLC. The original creditor was JPMorgan Chase and this debt was on my credit report years ...
Statue of limitations for the debt vary by state, but regardless of the statute of limitations the debt must be permantenly removed from your credit reports after 7 years - even if you start making payments again at some point.See question
The judgements are before 2006, nothing is on my credit report. Is "disposed" a good status? How would i get more info when it says "active"?
Disposed means that either a judgment was entered or the case was dismissed. To get more information you'll need to go to the courthouse and get a copy of the actual file.See question
I had a debt repayment agreement, which I paid, over 7 years ago. Yesterday I got a letter from Midland Credit Management with a Fact Information Sheet, referring to the county case number back from 2008. They are attempting to recover the debt, i...
You should write them a letter disputing the debt and explaining what happened. You need to keep checking your credit reports to see if Midland places the debt on your report, and if they do you need to dispute the with credit reporting agencies right away.See question
In July 2014, I was hospitalized (I gave my apartment address) since it was out of my network there is a co-insurance for which I have never received any letter or phone call asking me to pay. In August I moved from an apartment to my own hous...
At this point it's clear that you need to contact an experienced FCRA attorney. Sounds like you may have a solid case vs. Equifax.See question
I have judgements on my credit from credit cards I was unable to pay when I was unemployed..How long do they stay on there?Do they ever come off??
Judgments typically remain on your credit report for seven years from the date they were issued.See question
My ex-husband and I evicted my 18 year old son from our home a year ago. Now, because of this judgment, my son cannot get approved to get an apartment. He has come a long way over the past year and it isn't our wish to prevent him from finding h...
Best way to proceed would be to vacate the judgment you obtained against your son. He can then ask the credit reporting agencies to remove the judgment from his credit report. Beware, however, that some specialized tenant screening credit agencies will still keep a record of the fact that the case was filed against him....but they must not report that there is still a valid judgment if it has been vacated.See question
I would like to dispute my credit when I called transition the rep told me I must put a file number with each dispute I put in if I put my social and name of the debit is the file number really needed to dispute this ?
No, you are not legally required to include the file number so long as you provide them with enough information to figure out who you are, but I can't see any harm in doing so anyway.See question
What info must I give to them in the letter? Also do I need to send one to the original company in which I got the debit or only the credit agency like transunion or Equifax etc?
You should include a detailed explanation of your dispute plus any supporting documentation. You are not required to send a copy of the dispute to the original creditor but it is often a good idea to do so.See question