I had posted the follow up disputes for my client, but he never sent them as he got busy, moved, etc. and it wasn’t at the top of his list of things to do.

I currently have several other clients with that problem, but it’s NOT their big issue. It’s not surprising that people hire me to deal with collections and chargeoffs and those issues are more important for their FICO scores.

If you have a few hundred thousand dollars to spare (millions would be better), a class action will likely work.

If not, you’ll have to do it the hard way and get it done yourself. Submit FACTUAL and PUBLIC complaints to regulators, publish their responses, sue in small claims, pay for national press releases, …

Maybe one of my clients will decide to pursue the issue, just got another round of verifications WITHOUT the correct high credit.

I would suggest the date loans went into repayment. That would make everyone’s loan amount the highest the date repayment starts

If you read the blog at Liars & Cheats Exposed you’ll see that many peoples’ balances INCREASE while making payments due to income based repayment plans. Many people don’t make nearly enough to pay off their student loans, they just don’t have the income.

I’m with Webster Tarpley and would definitely be for forgiving the 1 trillion + in student loans. That’ll be the day.

With otherwise good credit a CORRECTLY REPORTED 2008 charge-off should not lower your scores below the mid to high 600s. However, you COULD be subjected to the Equifax FICTITIOUS late payments, see http://mylitigation.net/pr.php/news/release/2_26_07_open_letter_fair_isaac_regarding_its_addition_of_fictitious_data

I have the documentation proving that as of June 2011 myFICO had NOT fixed this bug. And I just had another client with a myFICO report that has the fictitious late payments, but I can’t prove that they lower the scores because he has so many other problems.

Hopefully your attorney is smart enough and willing to take the time to figure out why your scores are so low. I find that most people don’t understand the credit reports well enough to determine WHY their scores are so low and often it’s just a missing or incorrect piece of data.

So if you can’t get the account deleted and you still want to buy a house, I highly recommend subscribing to the CreditFactors knowledgebase and member forum where I’ll be glad to help you if you post the reporting of the account and your myFICO score factors. Or you can order the Credit Review or the Analysis (only recommended for people who need higher FICO scores for a mortgage.)

Since the account is NOT yours, I sure hope they’ll delete.

It’s easy to determine which accounts cause certain score factors with just a few derogatory accounts, but if there are many derogatory accounts it can get difficult or impossible to PROVE which accounts are causing a certain score factor to appear.

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.