Good question... I dunno what is the right answer. I'll do some research in Google and get back to you if I discover an answer. You should email the people at Lending Tree as they probably can answer it..

Jorge,.

It doesn't matter if it's paid or not paid, it's a public record on a CONSUMER REPORT, we only call them credit reports because that is what we're familiar with and come to understand them as..

However, the definition is so much bigger it's scary! Our reports aren't limited to credit-related items and just that kind of information being reported is why insurance agencies and employers, for instance, are running reports..

Think of everything in your life that is not labelled as "confidential" and imagine that being in a database somewhere. Imagine, heck, it is! Even that which is "confidential" or you think so is databased confidential always has exceptions! Now see all those databases linked together, that's not imaginary either..

Summons Breeze to help you, she'd know what is most effective for your specific situation.

Sassy..

Yeah I'm a bit confused..

If you paid it on the spot why the hell is it on your CR?.

BMV or something I could understand but this trashes ones score..

Is that what you get for losing your case and paying SAME DAMN DAY?.

Lets look at this another way. Suppose I sue a CRA, lose and the judge orders me to pay their fees. I write a check before I leave court. Does that show up on my report?.

Does that mean I'm a "judgement debtor"?.

:(..

Fave Butch growling dude:.

Think different about this, that you were involved in a court action (public record) at all, win - loose - draw, is reportable! It doesn't necessarily have to do with debts..

Check this out:.

(d) Consumer report..

(1) In general. The term "consumer report" means any written, oral, or other communication.

Of any information by a consumer reporting agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

Which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer's eligibility for.

(A) credit or insurance to be used primarily for personal, family, or household purposes;.

(B) employment purposes; or.

(C) any other purpose authorized under section 604 [ 1681b]..

Http://consumers.creditnet.com/strai...=&pagenumber=1.

And read this section with new eyes, note what is NOT listed:.

Http://www.ftc.gov/os/statutes/fcra.htm#605.

You remember the "credit" check for plane tickets thread?.

Http://consumers.creditnet.com/strai...threadid=26802.

Http://consumers.creditnet.com/strai...threadid=28030.

There's the MIB, all the aliases of the "consumer reporting agencies," demographic information, zip coding via those last four digits, street information, property tax and ownership information, every warranty card you filled out, rental information, all those trips to the grocery store and you used your store card for discounts, driving records, school records, voting, car registration, perscription records, bankruptcy records (which is all your financial information combined), federal taxes, state taxes, ummmm, it's endless I say, endless!.

Sassy..

Breeze,???.

I was adviced to "summones" you because you might know.. if you can see my original post that would be greatly appreciated.. thank you.

Jorge..

Hi Sassy,.

This all sounds terrible. I knew that insurance agencies check credit (got a Lending Tree loan for a client and we had lots of trouble getting the insurance, we joked that he could get a house, but not the insurance for it-was not funny, but all we could do is joke about it).

Now I am seeing that people have trouble getting into a rental due to poor credit..

Does not seem that there is much anyone can do about it...or is there?.

Charles Clark.

..

Think different about this, that you were involved in a court action (public record) at all, win - loose - or draw, is reportable! It doesn't necessarily have to do with debts..

SASSY.

==============.

I had a suit placed on my report and I was the plaintiff...

Does not seem that there is much anyone can do about it...or is there?.

Charles Clark.

Neiloans.

===================.

Don't support them with your hard earned money..

Quit giving it to them only to be used against you in an effort to bleed you out of even more..

LB 59..

Well, sad thing is that I have to support the CRA, as I do Lending Tree mortgage loans and so... One of the things that they do that is beyond awefull is that the let consumers (were probably forced to by law) get their credit scores, but they are not the same scores that we use, so the client thinks that we are up in the night when we come back and say "no your TU score is 600, not the 640 that they said to you." Oh well..

Then to rant a little, I needed a 3rd score to make something work, TU would not pull up. Tried 3 times, still no. then the client gets them to send a report. Now the question is.. it is the real one? Why don't they give it to me?.

Oh, well, glad to be a part of this, but back to work..

Charles Clark.

..

Matt30.

=================Paid or not it is a public record and can be reported for ten years..

1*It doesn't matter if it's paid or not paid, it's a public record on a CONSUMER REPORT..

2*Our reports aren't limited to credit-related items.

Sassyinaz.

=======================.

1* And is reportable for 10 years.

2*That's rite& anything goes..

LB 59..

1*Because it's a public record and because there are no restrictions on the kind or type of info. that is permitted to be reported..

2*That Their Goal..

3*Yep..

4*Since it's a public record -Yes..

5* To them yes..

LB 59..

Just dispute it as "not mine" it will probably come off!..

Okay, I ahve a JUDGEMENT on my report, that is mine and is not paid. Filled in 8/1997 EXP says it is scheduled to appear until 8-2004..

Are they disputable?.

If disputed as "not mine" would they verify the debt, and possibly cause collection proceedings? (liens, garnshments, etc?).

This original post was looking for peoples help / experiance at getting them OFF, not tirades as to the format or validity of the existance of them. Mine exists, it sucks. PAYING it is a brutal unwanted option..

Experiances?..

Searching for vacate... dunno what that is, in regards to a judgement......

You can dispute it as not mine.... they do not verify public records with the OC, it is verified by the court where the judgement is rendered. I would say you have a good chance to have this item deleted. I have had.

Pr.

Items deleted from my cr that were more recent than yours and that were unpaid!..

So, Just dispute with the CA. Okay... I have been hot and heavy with those guys, CHOD and all. I will Give this a shot, BUT!!!! If the courts are contacted, do they contact the Plantiff?..

No, dispute it with the CRA! and no they do not contact the plaintiff, they report (if they do verify) only what is in the court record..

I have found it helpful to delete the address on your report that matches the address on the public record..

Then dispute as not mine..

I have done this and it has worked every time for me...

Bigmon,.

I am curious, Have you had that many public records on your file? just curios:)..

I had 1 record that was on 2 reports. The address on the public record was an address I no longer lived at and had it taken of my report..

I've been told by many people here that removing addresses will make it hard to verify. So far it worked for me...

May be so, because there is no social security number ( that I know of ) associated with the Judgement. I will fire off a dispute, in a month or so, after I get all of my "choding" done. If your reading this thread and have experience with Judgements, please post, or, plug in links to TASTY posts...

Has anyone ever seen or heard of any of these on a credit report?.

1*Auto titles.

2*Vehicle transfers.

3*Auto license plates and registrations.

4*Pending law suits.

5*Real estate transfers.

6*Property tax records.

7*Property deeds.

8*Divorce records.

9*Mortgage and Lending Tree loan filing and recording information.

10*Court cases.

11*judgments.

LB 59..