Can They Do That,

It's possible. It would depend on state statutes and the type of judgment. Some judgments are renewable and therefore can literally last "forever." Well, until the debt is paid or the debtor becomes deceased (not a very happy option). How do you remove liens and judgments from your credit report that were discharged in a Chapter 7 almost 2 years ago,

As a result of your credit score being reported as lower than it should be, this is costing you money. Based on that low credit score, perhaps your mortgage company is charging you 7% instead of the 6% they would have charged if they knew your credit score was actually higher. There was NO payment history from our BK to present for either! nKeeping the loan current will certainly keep you in wheels and keep the creditor happy, but it doesn't seem to improve one's credit rating. I did read, however, in an earlier question, that BK plus a foreclosure is a double-whammy to your credit. Different rules may apply for GA than your state, but I would certainly look into this further before I allowed a foreclosure.

Here are more opinions and answers from other FAQ Farmers: . You cannot remove the lien that was in the bankruptcy, but you can contact each of the repositories, equifax, experie and transunion with a copy of the bankruptcy list of creditors and have them listed on the credit report. I deleted two judgments but You just dispute it like anything else on your report. I deleted two judgment of my cdredit file took like 2 years. Just because it is off your credit report does not mean you do not owe it. A collection agency froze my bank account big 49.00. I can not have money in my name in a bank. Start a business account they cant touch that Answer You can dispute anything on your credit report including judgments that you believe to be inaccurate or erroneous by using the Fair Credit Reporting Act.

Answer . Go to the court that issued the judgement.

However, until the legislatively mandated time limits have expired, it will likely not be removed from the report. How do you remove a judgment from a credit report, Answer . Go to the court that issued the judgement. If it is in error, or has been paid, they can give you a letter that states that information. Then, send a copy of the letter to the three credit bureaus.

1. Your credit card number has been stolen
2. You’ve been a victim of identity theft
3. Your full name, including your middle initial any generational suffix (e.g. Jr., II, etc.)
4. Your mail has been tampered with or stolen
5. You want to protect yourself from identity theft

Once you pay the judgment, the creditor will file a satisfaction of judgment with the appropriate court. Send a copy of the satisfaction to each of the credit reporting agencies to have them update the account as paid. If an account was delinquent 8 years ago but the judgment is 2 years old should this be on your credit report, Why is my student loan reporting a credit limit, The credit limit is the initial amount of your student loan. It helps keep your student loan from skewing your debt to credit ratio which can lower your credit score and make it more difficult to get credit. When is the debt reported to the credit bureau,