How to remove public records from my credit report
I was served at an old address and my mail was forwarded from my x landlord. Contact Presentations About Video Blog. My credit score was when I applied for the mortgage.
It is a legal proceeding under which a person is provided relief from debts they are unable to pay. Under Chapter 13 bankruptcy, a person repays at least a portion of their debts. Chapter 13 bankruptcy will remain in the credit report for seven years from the filing date. Under Chapter 7 bankruptcy, a person does not repay any of the debts included in the filing. Chapter 7 bankruptcy remains on the credit report for 10 years from the filing date.
Court records are updated periodically, and the status of the bankruptcy, for instance that it has been discharged, will be updated automatically in the credit report. The second public record you may see in a credit report is a tax lien. This results most commonly from failure to pay your taxes. Uncle Sam is serious about getting his taxes paid.
An unpaid tax lien will remain on a credit report for up to 10 years from the filing date. A paid tax lien is deleted seven years from the filing date. Civil judgments are the third type of public record included in credit reports.
Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required. Dear Experian, I paid a civil judgment in full this year.
Will that ever be off my credit report? Will that ever change? Dear Experian, I am trying to apply for an apartment but they say there is an eviction on my record.
Where would I find this information and how do I dispute it? I have talked to the place where they. Dear Experian, What kinds of public records can be part of a credit report? How often are they updated, and if I have a paid public record on my credit report, how do I get it taken off? Thinking about freezing your credit? I then sent in another letter and they responded with their second letter requesting more information.
I sent in a third letter and they responded with a letter that said they would delete it. I was like wow, really? I was really impressed with that. I was like wow, this just came off my credit report, to be honest with you, and it took my credit score up forty points.
Easily forty points, I showed my wife I was like look! We were all excited. The biggest thing is we did not give up. Well no, I wrote them a letter requesting that they send me some information back validating this was my debt.
The court is required to have paperwork that validates it is actually me. If they take it right off of a computer system, they may not know if that is actually you.
The court gets the information from whoever seeking the judgment.
They are required to verify it is me, send me the paperwork where I signed for the debt. It is required by law under the Fair Credit Reporting Act of The first and second letters sent to the court, they will reply with a standard response for more information to discourage the requester.
After the third letter the court is more likely to investigate it. I think we discuss the court case Carmen Dixon-Rollins v. Experian Information Solutions The judge through that case ruled that the court cannot just rely on computer generated documentation. So you are referring to the way that court judgments are gathered by a third-party companies.
Also, the fact that inside the court system, they are not allowed to have a social security number. That also creates ways where mistakes are made. Consistence and not giving up is what will pay off.
I had some late payments on my truck, I was trying to get those removed, after a few letters they deleted them also. Were you actually able to close on a home?
My score started at about and I told my wife we had our work cut out for us to get where we needed to be. While we worked on this landlord issue we were able to stay with my in-laws. While we were trying to figure it out.
How to Remove Public Records from Your Credit Report
So somebody who really knows nothing about the process, it only took you eight months. I think that is very reasonable. Sometimes it took 20 days, sometimes 10 days.Public Records That Can Appear in Your Credit Report
We got a response back and we would move to the next step. Yes it really comes down to your motivation. Wes, aside from not giving up, is there one piece of advice you would give somebody just starting out with this process. Or if you could go back eight months and talk to yourself what would you tell yourself? First of all I would save all that money we spent on the Credit Repair Company. Yes, because when you dispute something it actually comes out of the scoring model. Your credit score can come up higher than you really should be, and then it sinks down again after the dispute is resolved.
This was done within 5 weeks time. I hope this helps! Feb 15, Reply Cancel Reply. Helpful to 3 out of 3 people. Feb 04, Reply Cancel Reply. I found this online Helpful to 28 out of 37 people. Jan 15, Reply Cancel Reply. Debt Settlement Request Helpful to 2 out of 3 people.
Am I correct in that by requesting this I would not have this lingering on my credit for 7 years. May 19, Reply Cancel Reply. Helpful to 2 out of 3 people. If you settled for less than owed, it will stay for 7 Years.
I have one on mine. Feb 05, Reply Cancel Reply.
Can a Judgment Be Removed From My Credit Report?
Sep 09, Reply Cancel Reply. Taxes Helpful to 0 out of 0 people. Mar 03, Reply Cancel Reply. Thank the idiots that elected Governer Mood Beam and his corrupt lackeys to decide the law. Jun 28, Reply Cancel Reply.