Comments on: How do you dispute judgements on your credit report?

By: stefani a

stefani a — Wed, 19 Nov 2008 23:56:09 +0000

In accordance to the Fair Reporting Act, you need to dispute the charges to the 3 major credit bureaus( Experian, Transunion, and Equifax). They are required to notify any entity that has placed a disputed claim. This is a little bit of a joke as the entity only has to respond that they have documentation proving sum is owed, but the credit reporting company will provide you with the information needed to rectify the problem.

Working with the courts is going to be difficult, but not impossible. To speed up the process you can hire an attorney, but it may cost more than the judgments themselves.

Hope this helps.

By: bdancer222

bdancer222 — Wed, 19 Nov 2008 14:32:32 +0000

If there are errors on your credit report such as accounts that do not belong to you, just follow the dispute instructions for each credit bureau.

The judgments are different problem. You should check to see where the judgments were issued. Get a copy. You may have to go to court to get them reversed. You might even need an attorney.

Don’t bother wasting any money on a debt clean up company.

By: tan0301

tan0301 — Wed, 19 Nov 2008 10:40:35 +0000

You need to start with the company that you got the credit report from. They will then tell you the company that issued the judgment. They will then check in to it, but it will do no good. You will then have to contact the company yourself. This happened to me about 5 months ago. Someone used my identity to order $1000 worth from a company that I had ordered from about 15 years ago, but sent the merchandise to a state I had never lived in and they never paid the bill. A judgment was issued against me. I had to have a police report filed. I then mailed that police report to the company along with a theft identity loss affidavit and got it all cleared up. There were tons of paperwork. But it got done in about a months time. Good luck to you.

By: reckontheirlife

reckontheirlife — Mon, 17 Nov 2008 02:56:12 +0000

You can dispute all you want to. It won’t do any good. I know first hand. I disputed charges before they ever went on my credit report. They went on anyway. That’s what I love about America. ***** the poor.

By: anabanana0924

anabanana0924 — Fri, 14 Nov 2008 17:07:54 +0000

You will have to contact the credit bureau. They have dispute forms you can fill and submit. My sister’s credit stuff was under mine for awhile and I didn’t know until I saw my credit report. If you dispute this the the credit bureaus, they will take care of the rest.

By: flyingmetalspatula

flyingmetalspatula — Thu, 13 Nov 2008 14:57:34 +0000

From Visa Site:

How can I dispute a charge on my Visa card?
Our Member financial institutions issue cards and are responsible for all billing and account management inquiries. Visa has no access to, nor jurisdiction over, accounts.

We suggest you address your questions to the financial institution that issued your Visa card. You can contact them directly, using the address or telephone number on your Visa statement or on the back of your card.

By: tonalc1

tonalc1 — Mon, 10 Nov 2008 06:07:30 +0000

Here ya go: