Midland – They Got A Judgement Against Me A Year and Half Ago, But Still Updating Deliquency

Jan 142011
 

Hello Everyone,

 

Like so many people here, I went through Midland hell for years!  A year and a half ago, I decided to try to dispute them in court.  I spoke with someone at the county clerk who gave me instructions on what to do.  I got all of my documentation together, sent a copy to the court and then to Midland.  I came here a few weeks ago and was posting about my progress.  Someone suggested that since I had not heard from the court, it was possible that a judgement had been entered -  I called the court, and that was exactly what had happened, just 3 or 4 days before.  I was told that they entered a judgement against me because in my documentation to the court, I did not include proof that I had sent the same records off to Midland, something that I had not been previously told that I needed to do.  I went down to court with my certified mail receipt, and that was not enough.  I was told that there was nothing I could do.  So Midland got a judgement against me for nearly $1200.00 that I did not owe – it was for a Visa Aspire account that only had a 400.00 or so credit line many years ago.

 

The judgement is there ruining my credit and I have not paid it.  Tonight, I checked my Transunion CR for the first time in nearly two years, and Midland is still reporting this count every month as a recent deliquency.  Can they do this and still ding me with the judgement as well, essentially report against me twice for money that I simply do not owe them in the first place?

 

Thanks,

 

Frustrated!

Vacated judgment STILL showing up on all 3 CRs

Nov 122010
 

I had a vacated judgment that was showing up on all three credit reports, TWICE (with differing identification numbers) on TU and EX. First dispute came back verified. 

Second dispute included a copy of the filed consent order vacating the judgment. TU wrote back that it had been deleted. EQ sent me a letter that states “The disputed judgment docket XXXXXX is currently not reporting ont he Equifax credit file.” I infer this means that the docket number from the court does not match the docket number that they’re reporting, but I do not know for certain. 

I just looked at my 3-in-1, and the judgment is still on my TU–but only once this time–on the EQ, and the EX twice. (No communication from EX yet.)

I’m of a mind to make a third dispute in writing, telling them that there are no judgments against me in any jurisdiction, and that they need to actually read what I had sent them before, in addition to confirming this with the county court. But I don’t know if that’s the best way to handle this. 

This is wholly irritating. 

All advice is welcome

Needed to vacate judgment

Apr 132010
 

My collector agreed to have the default judgment against me vacted. When they send me back papers, which paper do I need to send to the CRA’s for them to remove the judgment? Do I send them just a letter agreeing they will have the judgment vacated, or will I have to wait to receive the “so ordered: papers from the court house?

 

Maybe I should just wait and see if it is removed from my reports eventually? I really want this to come off fast though.

Judgment success! (EQ)

Mar 302010
 

Per the advice of another site, I pulled my judgment from the court and I compared the information on it to the information on my CRs.  Then I sent a letter to the CRAs saying “Hey, btw, there isn’t a judgment matching this description with the court listed, could you please tell me where you got this info?”  (paraphrased – my judgment said it was with the district court, they said circuit court, and there were some other differences).  Equifax just sent me a letter – “We have reviewed the judgement information, case or ID # (#here)  The results are: This item has been deleted from the credit file.  If you have additional questions about this item please contact: (wrong court name and address)”

 

Also, the court does not report to the CRAs, which is what else I found out by talking to the court.  (Also, I’m in the process of figuring out how to deal with the OC and the resulting CAs, but still).  Now I wait to see if the CORRECT court shows up on my CRs.   

judgment question – is this a valid way to proceed?

Mar 092010
 

I do keep going over and over what I should do about my judgment issue – I found this posting somewhere else (excerpt)

 

“If you have a RECORDED judgment, get a CERTIFIED copy from the Court. Examine it very carefully for ANY discrepancy between what is on your reports and what has been recorded.
If you find a discrepancy, or if you find that you have NO actual recorded judgment, you can send the following dispute letter to the CRA’s.

Dear CRA,
My name is xxxxx xxxxxx , my SS # is xxx xx xxxx.
I am sending this dispute certified mail # xxxx to make sure you receive it.
My report # is xxxxx.
There is no such judgment of record # xxxx from this Court for this date for this amount from this creditor.
I have certified documentation from the Court that supports my dispute of this erroneous entry on my report.
If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies.

Very truly yours,

xxxxxx “

 

It goes on to say that you’ll probably get a canned response about their investigation – then you contact the court to find out their CRA reporting procedures to demonstrate that they aren’t actually reporting to the CRAs and then:

 

“You then send another letter (CM but not RR) to the CRAs along with a copy of the letter from the court house……..demanding that they delete the judgment immediately. Stress that you ARE NOT disputing……..but demanding deletion of the public record and request an updated copy of your report.
**Be sure to send all of these letters Certified Mail!! It’s very important you have a paper trail/proof of correspondence.“
 

 

Does this sound on the level?  I mean, the premise is that you do request deletion on the basis that you found inaccurate information (which I did – the courts are both listed incorrectly) and that the CRAs aren’t ultimately investigating properly.  This, of course, is separate from the issue of dealing with the OC. 

Message Edited by mauve on 03-09-2010 09:54 AM