Nice video, and happy new year to you as well. Very discouraging to hear that it took you 6 months to get your name fixed. Makes my stomach turn thinking that i'm about to dispute two cases on my credit file

Nice. The video is an added touch for people that want to learn more about the credit system.

I did this video just for you guys!

ottawa_chap... please read my post

and yes... I do strongly encourage everybody to do their due diligence, even with items they learn on this discussion forum. This is meant for guidance and introduction only.

"This topic is getting long in tooth because you can’t accept the fact I am right"

Joe, you are missing the point completely. I've already outlined my reasons for why additional clarity should be brought to this topic. If you can't see the reasons for that, well that's too bad. Hopefully, others' will opt to do their own due diligence before taking your word (or anyone’s word for that matter) as law.

This is an actual letter back from Equifax regarding my credit report. I was disputing some items.



The point of showing it is this:
Sometimes Equifax complies with your request and sometimes they don't. They have a system by which they train their staff. If something is disputed, they quickly try to verify the data. They use superficial techniques IMO because they don't have the manpower to do proper item verifications on your credit report.

The point is.. alot of this credit repair is theory until you get results from Equifax. And then, many times you have to re dispute the item with equifax because they didn't give you the correct results.

And... to further the problem, consumer protection isn't well trained on how they're supposed to mediate these items. They're usually on the side of the credit bureau because people don't complain in writing enough, or don't know how to describe their problems well enough.

It's useless to argue vague ideas on this forum. If you've got an issue.. let's deal with it. Keep in mind that it takes 4-6 weeks (a reasonable time period) for Equifax to respond to your request.

If you've got the answer, and you've got documentation to back it up, please send it to me and i'll post it on the forum, and on the faq page.

The more documentation we post on the site, the less we'll have to discuss theory, and the more we can reflect on the facts.

In the one example on this document... I disputed my name being shown incorrectly for six months. Something as small as doing a name change on my credit report took six months. That's how much I had to fight with equifax to get what I wanted. And... even consumer protection wasn't able to help me because they weren't trained properly on this particular issue.

The regulatory body wasn't able to help me out, and I spent a great deal of time fighting equifax, and educating consumer protection.

so... when I see you guys arguing about theoretical items, my first idea is to ask for 1) your personal experiences, and 2) some documentational back up

Monty, this is the same information that I also have in front of me. Unfortunately, it doesn't address the question at hand ==> Again: What effect (if any) does a renewed judgment have on one's credit file?

This document is so loosely worded that much is left open to interpretation. Read my earlier comments about how Equifax is still showing hard inquiries from as far back as 1998. In that case, Equifax’s view of "Automatic" is different from the rest of society’s definition.

The fact that Equifax doesn’t go into expanded detail with respect to Judgments causes additional questions to be raised. It's simply the way it is.

This is going in the FAQ but I'll post it here

These are the sheets you get from equifax when you order your credit report by mail.

Attached is are two pages that you will receive with your
free mail in version of the Equifax Credit report.

It clearly states that JUDGMENTS, GARNISHMENT OF WAGES The above will automatically purge from the system six (6) years from date of last activity.

I hope this is clear enough for everybody!!

click on the docs and they will expand.

Page 1


Page 2


Documents Provided by:

average_joe - Discussion forum member
As at: January 2, 2009

Ottawa Chap.

If you don't believe what Equifax is stating then I guess I am wasting my time explaining this to you. I gave you the link and copied word for word what information they give when you get your credit report and placed it on this site. This topic is getting long in tooth because you can’t accept the fact I am right, and if can't that’s not my problem. I have spoken to Equifax and Trans union representatives in the past and I am well versed on how things work.

Cheers

So Joe, what you are effectively saying is that you are unable to locate any information that addresses this specific question - What effect does a renewed judgment have on one's credit file?

Also, FTR Joe, if you are proven correct and the judgment doesn't re-appear, then great! It's good information to know. Unfortunately though, you've so far failed to ante up hard evidence to support your theory.

This topic is getting long in the tooth. So if you're not aware by now of what information you need to locate, then it's evident that this discussion is a loss cause. I doubt many of us care if your friends call you the "King of Credit". You're on a public forum that caters towards sharing knowledge - hopefully to help people out. Therefore, comments made by anyone can be challenged by others if there are suspected inaccuracies within.

And on that note, because you’ve taken the position that your beliefs are all that matter, I’m going to have to consider your claim to be null and void until you can come back with proof otherwise.