Satisfied judgement credit file five years equifax

They don't read the documents. About serving them, I recently found out that in Nevada, when you can't find an agent there to serve, you can serve the Secretary of State instead. I'm in California now so I have no idea if that's the case in other states as well. Call your Secretary of State and ask them. Small Claims are different than other Courts. Many people here have said that the Judges don't know a thing about the federal consumer laws, and I feel they may be right.

You might have to sue in Federal Court, which would be a royal pain. That's why I say try calling them first and sweet-talking them. We have placed cookies on your device to help make this website better. You can adjust your cookie settings , otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use. Equifax, Can I sue? Share More sharing options Followers 0. Start new topic. Recommended Posts. Posted April 28, Who are you suing?

Equifax 2. How old is the debt? I can't even begin to tell you how many times I submitted request for investigation and it's all for nothing.

TU and EX were swift to remove this Judgment even before it was expired and all was done on line. I will keep my fingers crossed and hope I will not have to write them another request for Judgment deletion I got the runaround from the CSC reps and they refused to remove it when I disputed.

I got a response from CSC's General Counsel saying it was deleted from my credit report within 6 hours. I would suggest giving that a try with EQ. I think the CRA is correct in non-deletion.

The FCRA deltion date is after 7 years from court judgment,. In New York State, satified judgments stay on your report for 5 years Actually, CRAs remove items off your report 30 days prior expiration,- they don't want to risk violating FCRA, so earlier removal is just some assurance for them. Just sent EQ a serious letter of dispute with supporting documents from court. If I don't see the judgment removed within 30 days,- I would have to take a different approach.

Sounds like you knew exactly what to do to get that negative removed off EQ. I'm new to credit related terminology, and do see you use a lot of abbreviation I would appreciate very much if you explained what's what? Not in this case. Im pretty sure the book is right about NY's law I haven't done my homework and researched it however. This is kinda wierd to me based on one thing though. Normally when the fed government issues standards, state laws go by fed laws and have the right tact onto them, becoming more restrictive, they do not however become more lax or less restrictive.

The fed law is the minimum. CSC is in their state which is why they caved most likely. EQ however is federal which means i don't know if they have to follow those guidelines, Niether do ex and transunion even though they chose to honor.

By law they don't have to. Go that CSC route becuase i guess they would feel pressure from the state law and can get something done for you but dude states legally cannot go under federal law minimum requirements.

The late payment remains on your Equifax credit report even if you pay the past-due balance. For instance, if you had a late payment in April , the late payment would come off your Equifax credit report April , seven years after the date of the missed payment. If that happens, the entire collection account would be removed seven years from the date of your first missed payment that led to the collection or charge-off status.

If you pay the collection account before the seven-year period is up, it can remain on your Equifax credit report, but the account may have less of an impact on your Equifax credit score.

Bankruptcy public records stay on your Equifax credit report from seven to 10 years, depending on the type of bankruptcy. Other negative accounts , such as repossessions, can also stay on your report for up to seven years from the date of the first missed payment that led to the negative status.

Negative accounts can also include foreclosures, and short sales or a deed in lieu of a foreclosure if reported in a negative status.