How do I remove a judgment from my credit report quicklysince it was filed against wrong person?
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How do I remove a judgment from my credit report quicklysince it was filed against wrong person?
I lived in an apartment while in college (5 years ago). We recently started the process for buying a new home and the credit report showed up with a judgment against me for not paying a months rent. I called the landlord and they said I made all payments on time. To make a long story short, my landlord filed the claim under someone with the same last name that I have who lived on the same street as I did. It’s all under her name but has my information which is why it shows up on my credit. We since have found a home and close on in about 2 weeks. I need the judgment to be removed or we can’t close.
Asked on October 5, 2011 under Bankruptcy Law, Illinois
Answers:
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 13 years ago | Contributor
The best way to possibly remove the negative remark concerning your credit report with respect to the judgment that is against the wrong person is for you to contact your former landlord and see what document he or she can sign to assist you.
Another option is to look up the court filing regarding the supposed judgment against you that is improper and have your former landlord sign a full satisfaction of this judgment, have it filed in the case where it arose and also have it recorded in the county recorder's office in the county of where the lawsuit resulting in the judgment arose.
Another option is to contact a credit repair agency to see what can be done to assist you in removing this incorrect judgment against you.
Good luck.
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