I am in the process of switching our site over to another platform as well as the blog, so posts have been stagnant lately and I apologize.
The new site and new blog will blow you away as it’s being professionally done! Yay!!
Okay, so judgments and bankruptcies are two of the worst things you can have on your credit report. The good thing is that with due diligence and time…they could possibly be removed!
What you can do is dispute the accounts with the bureaus (Trans Union, Equifax, and Experian). If the accounts come back verified, then simply dispute again but this time asking them how they verified their information and where they verified it from.
*Remember, court houses do not subscribe or report to the credit bureaus so how could they have validated that information? How could they be reporting that information?
If that still comes back as “verified” but with no information as to how it was verified, then contact the courthouse that they are claiming to have verified this information from. Contact them by either mail or by telephone. Ask someone in the records department, do they report to any of the credit bureaus. If they say no, write down that person’s name, time you called, and what they said. Use that for your next dispute and let the bureaus know you actually did their job and the response you received and demand removal based on the fact they never verified the information in the first place.
If you wrote the courthouse in the mail, even better because now you have written proof that they don’t subscribe to the credit bureaus. Send a copy of that letter with your next dispute and demand the judgement or bankruptcy be removed for failure to investigate the item reported and claiming that they were able to verify the information when they actually did not.
*It is easier and recommended to make sure the bankruptcy is dismissed, or discharged.*