I apply for an apartment. TransUnion credit bureau ran my credit report. Its stated that I owe an old landlord $1,500 from 7 years ago, and thatlandlird filed a judgement against me. I want to know how can I have the court remove the Judgment being that this is seven years old as well as TransUnion credit bureau remove this information for my report too.
This is what the Fair Credit Reporting Act says:
If you read the rest of the act (not copied here), you will see that 7 years is more like 7.5 years.
15 U.S. Code § 1681c - Requirements relating to information contained in consumer reports
(a) Information excluded from consumer reports. Except as authorized under subsection (b), no consumer reporting agency may make any consumer report containing any of the following items of information:
(1) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
(2) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
(3) Paid tax liens which, from date of payment, antedate the report by more than seven years.
(4) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
(5) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
(6) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless—
(A) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or
(B) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.
I hope this information is helpful. Add a comment or send me message if you have additional questions.
A judgment issued from a Texas court is good for at least ten years and could potentially be extended beyond that period based on actions taken by the creditor during that ten-year period. People like to believe the seven-year rule, but it's inaccurate.
You are confusing a few things. First, an abstract of judgment, as opposed to a judgment itself, is good for ten years and can be renewed in perpetuity until the debt is paid. The abstract is a notice of the judgment that is filed in counties where the judgment debtor might have assets. Second, the seven years reference is inaccurate as a debt, whether in the form of a judgment or not, can show on a credit report until it is paid.
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