Help – Public Court Record hurting my FICO score

Feb 202011
 

My FICO score is below 700 because I have a small claims court judgment from 4 years ago posted in my credit reports.  However, this small claims case  had nothing to do with my credit risk.   The case involved a minor auto collision where the driver was claiming $4,000 in vehicle damage which I disputed.  The small claims judge agreed with me and only awarded the driver $800.00.  In effect, I won, yet this record appears as a negative on my credit report and FICO.

 

The public record of this judgment has nothing whatsoever to do with my credit worthiness, e.g. a bankruptcy or tax lien.  Yet it is harming my credit score. Is there anything I can do?

CRA Requests Additional Info?

Feb 192011
 

After 45 days I finally got word that the CRA has deleted one of  two disputed collection accounts. That’s good news as the other one is due to fall off within 6 months or so.

However, the email I got also requested that I send

1 A copy of my Driver’s License
2 A copy of my SS card or W2 Form
3 A copy of a utility bill

I do not have any other disputes ongoing and I downloaded a .pdf with the result’s of the two disputes.

I would like to know why the CRA needs this info now and is it to my benefit to send this info in? Is it possible they can revert the outcomes should I not send this info in? I have my doubts since I’ve heard that they sell this info to whoever.

Thanks in advance for responding.

Sending Disputes to CRAs

Apr 272010
 

I am sending disputes by mail to EQ & EX. I can’t remember which of them last time said I did not send proof of who I was.

 

My question is this: should I send them a copy of my driver’s license, if I don’t ever want them to use the address (temporary) that is on it? I lived somewhere for a few months, that I would NEVER want my mail to go there. I guess I need to change the address.

removing old address

Apr 262010
 

After reading these forums i understand it is a good idea to opt out and remove old address. I understand CRA usually requires copy of driver licence to prove the new residence. My question is when i update the information on my driver licence record, does it also show on my credit report? I understand our data are sold to data miners, then resold to CAs. I am trying to prevent automated matching of addresses but i do not understand the point if the CAs can do a simple inquiry and get the new addres as well. Thanks.

How much is auto insurance for a new driver in NYC ?

Feb 082010
 


I am a new driver, I am 23. I look forward to Mazda 6 years, but I fear that my insurance would be sooo had. The number (range), which would be used automatically for me insurance?

How can you negotiate with car insurance agency after a wreck if you have no insurance to cover other driver?

Jan 282010
 


How is it possible that after the consultation, which is caused by you, if you have insurance, while the other drivers wreck? And auto insurance agent if there are legal ramifications?

What insurance company in ontario is cheapest for new driver?

Jan 262010
 


I am 20 years old, you want to buy second hand car, just got the license G. What is a reliable, cheap insurance?

Teen driver program is offered

Jan 252010
 

Teen driver program is offered
A local insurance agency is offering a corporate program for customers that helps drastically improve the driving habits of teens.

Read more on Williston Herald

How much does it cost to add a 16 year old female driver to an auto insurance policy?

Jan 232010
 


What is the cost to add a 16-year-old female driver car insurance policy?

How much is insurance for a first time driver?

Jan 222010
 


I just got my license, I need insurance. I heard the charges may be very steep for the first time driver. I am over 21 years there is no help. There is a good insurance company made any proposal?

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