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And whatever you do, do not rely on the online assistance that the credit bureaus provide. In other words, do not dispute or correspond with the credit bureaus or collection agencies online. This will defeat your purpose of establishing a paper trail. Their online forms and dispute tools are not set up for protecting your rights and you are likely not to ever be able to prove the steps you took to rectify your situation.

The Fair Credit Reporting Act says that every citizen is entitled to dispute any item they believe is inaccurate. As we mentioned earlier there are all types of reasons that an item on your credit report can be wrong. While it may not be morally correct it would be in your credit scores best interest for you to dispute every negative item on your credit report. A judgment will remain on a credit report for the full 10 years. If it is paid it will still show on the report as "satisfied" or similar wording. The time is determined by the date the judgment is issued. How do you report a default judgment to the credit bureaus, Answer . Judgments do not get "reported" to the credit reporting agencies. Independent contractors scan public records and then sell these documents to third party data furnishers.

Liens are secured debts and may or may not have been discharged.

Removing Liens and Judgments You can't. By federal law bankruptcies can be reported up to 10 years after filing, assuming a discharge, of all discharged unsecured debts. Liens are secured debts and may or may not have been discharged. Undischarged debts may be reported up to 7 years after your last account activity. You are probably referring to the "Public Records" part of the credit report.

• You want to protect yourself from identity theft


• You’ve been a victim of identity theft


• Your credit card number has been stolen


• Your full name, including your middle initial any generational suffix (e.g. Jr., II, etc.)


• You’re subscribed to a credit monitoring service

When a mortgage broker shops around for a home loan and there are numerous inquiries on your credit report how long do they stay on your report, nDifferent scoring models also assess inquiries differently. nThere is also variation in how many points are deducted from the score for an inquiry. Consumers who have any public record items on their credit, like bankruptcy, foreclosure, tax liens or judgments, are hit harder for an inquiry than a consumer who has no public records showing..

B. Lie to you about any of your legal right's regarding the debt.

If the student loan is government funded or guaranteed, it can stay on your report beyond 7 years if you defaulted. The sources I've found all say 7 years. My defaulted student loan however, has exceeded that time. I just filed a dispute so we will see what comes of that. A. Tell you that you can go to jail for this debt. B. Lie to you about any of your legal right's regarding the debt. C. Act as a legal advisor to you. D. Misrepresent themselves as some sort of law enforcement officer in an attempt to collect this debt.

Normally 30 days after it is sent to a collection agency if you don't ask for validation or 180 days which is considered charged off account. Do you have any recourse against the bank if they are NOT reporting your loan to the credit bureaus, Not likely. There is no law or regulation that says a bank must report loans to a consumer credit reporting agency.