You seem to have a lot of things going on that happened many years ago and SHOULD not impact on your credit scores if reported CORRECTLY.

“I couldn’t get approved for even a prequalify mortgage because they stated I would have to pay the judgment”

Simply submit a FACTUAL dispute to Experian to require the “discharged” reporting.

“but that judgment is killing my score.”

There is NO way that this judgment is killing your score.

Reporting the judgment as paid or discharged won’t give you a single FICO scores point and quite likely, even DELETION of the judgment won’t give you any FICO points because you have the more recent bankruptcy.

Don’t confuse credit scores with mortgage lender requirements.

JUDGMENTS have to be paid before you can get title insurance to buy a house even if NOT reported on your credit.

The American General bad debt/derogatory account MIGHT be negatively impacting on your credit. But, I’d have to see the reporting.

You mention that the account is not legit, again, simply submit a FACTUAL dispute to Experian.

If Experian doesn’t correct the reporting of the account, sue Experian AND American General.

But the JUDGMENT reporting is only the fault of Experian. They should automatically report the judgment as discharged.

All too often it takes publication and/or a lawsuit to get the credit you deserve, see Credit Bureau Experian and DeVry Reporting False Late Payments and Refusal to Delete

I obviously didn’t want the whole world to see my entire credit reports with all my personal information. And, the court of appeals AFFIRMED, stating it is perfectly fine for credit bureaus to make the credit reports public when you sue them.

When I posted that I was looking for judge Broomfield’s address to publicize, a US marshal visited me.

That’s “justice” and “equal rights” in America.

Anyway, my deposition of Experian employee Kimberly Hughes regarding the reporting is posted at CreditCourt.

“Because of this Experian is extending how long the BK will stay on my report.”

I don’t believe that. The BK reporting is based on the public record.

I would start by submitting a FACTUAL dispute and then submitting a PUBLISHED FTC complaint if they don’t correct it.

I’m currently setting up a new site for my DOCUMENTED complaints to demand ENFORCEMENT.

We all know how Bush sucked and ordered the FTC to NOT enforce consumer protection laws, let’s see whether Obama brought any change.

I’ll post here when the site is ready.

Of course one only needs to READ my post to see that this is pure spam as I offer detailed comments on the subject in my above post.

“I do NOT understand why Experian is allowed report the status date as a month AFTER the discharge date. Lawyers on drugs???”

Experian is still using the discharge date instead of the filing date – is the applied unilaterally to everyone when dealing w/ Experian? Just curious as you’re right about this lowering FICO scores across the board, seeems pretty inane – but typical of credit reporting agencies.

Please read my post above for details about legal rights to dispute.