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Originally Posted by rosco
Hi All,
I have a couple of judgements on my credit:
1. A repo from 2004 - judgement was in 2006
2. An loc in 2003 - judgement in 2004
Other than that, I have various collections and charge offs that should fall off within the next year or so.
My questions:
1. Best way to get the judgements off?
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No sure-fire way, but if they are associated with an address you no longer live at, you might try getting rid of those addresses first.
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2. If I do get the judgements off, will they still report if someone does a background check (as opposed to credit check)?
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I don't know what is involved with a background check, but they are a matter of public record, so it is conceivable they would be found.
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3. With the CAs and COs, just because they fall off my credit, can CA still try to collect? And what is my best defense if they do?
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Debts are collectible whether they report or not (reporting is voluntary). Defense of collections depends on the method of collection be attempted.
Thanks so much!![/quote]