So first, let me say that my judgement is due to fall off in April of next year. If it weren’t for reading so many success stories and having many of my own (including an early deletion of the last paid collection account on Experian just yesterday) I might be willing to leave well enough alone. The problem is, the paid judgement is the last bad item on my report.
I just called the circuit court where my judgement was filed because the dates seemed off. I have copies of the money orders that I sent to pay the judgement and all of them were AFTER the judgement file date listed on my credit reports. According to the clerk, my judgement was actually filed on January 12, 2009 not April 16, 2009. My question is, aren’t civil judgements supposed to fall of 7 years from the filing date or is this the case of the 7 years 180 days I’ve heard about? Did my payments somehow reage the judgement? If the date is indeed wrong, what is my next course of action? If the judgement rightfully is due to fall of January of 2016 I am within the 6 month range for requesting good will early deletion from at least two of the CRA’s, correct?
I’d really like to buy a house next year at the best rate possible and my Fico scores are EX 709, TU 719, and EQ 721. I’m hoping this removal will help me get the best rate possible.
Thanks in advance for any insights/ opinions given.