Mortgage and Insurance

Ladies and Gentlemen:

 

I have lurked on this forum for quite a while and have gained some very valuable education regarding credit rebuilding.  I was once a delinquent , non-paying, collectors-ringing-my-phone-every-2-minutes individual.  That was back in my college days when I was very irresponsible; however, I had a reality check in my mid-20s that my credit was going to have to be rebuilt when I applied for both an auto loan and a credit card and was denied.  With that being said, I started clearing up many of my debts and paying them in full.  I now at this point have 2 baddies (for the same judgment), 1 on my Transunion and 1 on my Experian.  The baddy on TU will fall off next month in November 2010.  The other baddy is on Experian, and even though paid, is not being reflected as such and will not fall off until December 2012.  December 2012 is entirely too long for me.  Here are the details:

 

My Experian credit report up until February 2010 had two duplicate baddies for both the same debt.  The court index numbers for both entries were different in that the numbers were flipped.  For example (please note: that the real numbers are not used to hide my identity), the first entry read “0542189″ and the second entry read “4218905″.  The court index number on the court papers would have been docked as “05/42189″ (please note that NY shows a “/” to separate the year from the case number).  The “05/” stands for the year and “42189″stands for the case number.  It seems Experian put the index number before the year on the second entry, which technically is wrong (?)  I had always disputed both baddies through the years, but the one with the incorrect index number has never reflected PIF and is still on my CR, whereas the baddy that has the correct index number reflected paid in full and eventually fell off my CR this year.   I contacted EXP to advise them of such the other day and was told that they will contact the courthouse but they have not yet.  All of these years I disputed this case as not mine, and EXP never contacted the courthouse?  Why not?  I was completely stunned.  They have now advised that they will contact the courthouse but that I should mail in all the due diligence documents.  I have managed to locate the court documents with the proper index numbers.  My question is:  (1) would they delete this entry for a flipped index number; or (2) would they just update this judgment as “paid”.  My other question is could I prove to them at one point or another that there were 2 baddies on my CR for the same judgment and that the judgment with the correct index number was paid in full by simply sending in an old credit report?  The EXP rep I spoke with yesterday said they could care less what was on my CR months ago, it is what is on there now that matters.  Is this correct?  Please help me in ridding this baddy as it is holding me back from AMEX credit cards.  I have had past offers for their Gold charge card but was advised they could not extend credit cards offers to me with a judgment on my EXP.  I wish not wait until 2012 for it to fall off, but furthermore, I wish not to have something that is not accurate on my CR.

 

Also, does anyone know if this is a violation of any laws?  I suspect that if such is the case I could place pressure on EXP to remove this inaccurate entry.

 

Thanks in advance.