JUDGMENTS ON CREDIT REPORTS THAT ARE NOT REALLY JUDGMENTS (for techiemikee)
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Posted by Why Chat (209.240.205.61) on May 23, 2004 at 09:10:32:
Posted by techiemikee (67.166.171.52) on May 22, 2004 at 21:36:20:
In Reply to: Re: Judgement Question posted by techiemikee on May 22, 2004 at 21:21:20:
No book number nor page number from on the credit report. So if the judgement wasn't entered but exists what does that mean?
When a lawsuit is filed in any Court, it is assigned a case file #, in most cases a hearing is held and a disposition of the case is made, sometimes a default judgment is granted by the Court, sometimes a summary judgment( of course if you fight it, sometimes you get a dismissal)
If a judgment is granted, the judgment is filed in that Court and entered into the public records with a filing date and a book and page #. Whe the CRA's obtain their data from their "providers" they SOMETIMES get just the filing date and case #, because their provider is CARELESS and LAZY. Some cases are NEVER adjudicated, and a judgment is never entered because the service on the defendant did not meet the Court's standards, or the claim was flawed in some other way. The case file remains open on the records as a FILED claim,and will generally be "swept" off the public records in 1 or 2 years. After 1 year, the case can not be re-opened, but would have to be refiled,so I advise people to carefully check the records BEFORE disputing any such entry, as IF the original claim is still within SOL MINUS the 1 year the original claim was held open, it MIGHT be refiled. Otherwise,dispute the entry on your credit reports as NO SUCH JUDGMENT ON RECORD.!!
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