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Disputing Liens and Judgements

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bad credit“Gee Mom!  Look what I did to Sissy!”  Wow – sometimes we have marks all over our credit report too.

If you have Liens or Judgements showing on your report, with inaccurate information, you should most definitely dispute those items.  The WAY you dispute them can be important in actually getting them removed.

As always, we recommend that you write the credit agencies (all three) and send the letters certified, receipt requested.  The letter should reference the DOCKET NUMBER that is reflected on your credit report.  Do not list additional information, like county or state.  Do not use the DOCKET NUMBER of your case from your documentation (sometimes the numbers on your paperwork are a couple of digits longer).  Be certain that you put the docket number EXACTLY like they have it on the report.

Wait 45 days, and you should have the updated information from all three bureaus in your mailbox!

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Comments

  1. I was searching for loans with bad credit and at google and got your post Disputing Liens and Judgements in search results. Not very relevant result, but still interesting to read

  2. Wow! Thank you! I always wanted to write in my site something like that. Can I take part of your post to my blog?

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  1. […] Your credit score is really a  report of all of your former credit behavior. Bad credit marks like tax liens, charge off, collection accounts, IRS unpaid bills will show for 7 years from the day they were […]

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