I just had something strange happen. A little over 3 months ago I applied for a mortgage and knew there was one judgement on our credit – It was originally a Chase account that we never had a record of and for over 5 years have been trying to get them to prove to us it was ours. Well that stirred up a hornets nest and not only would they refuse to repond to our requests they garnished my hubby’s wages!
I had heard that when you look into something on your report it can “reopen” it so it is there even longer. This must be true because now there are 2 Capital Ones and Some other place we have never heard of as judgements- All my Capital Ones are paid off!!! We have NEVER been sent any “judgement” papers – is that legal??? Is not a judgement a “servable” legal document that you must receive?
If you call on them then it starts the whole crap again and they don’t care if you never heard of them they just are out for what ever they can get! My mortgage broker recommended Nationwide Credit Clearing. Anyone deal with them???
TOTALLY FRUSTRATED HERE
Not familiar with them, but I would recommend pulling up your credit report online. This debt should be on there. File a dispute through your credit report. They will either be forced to show proof you owe the debt or to drop it all together. You might already know that you are entitled to a free credit report each year through www.annualcreditreport.com It will pull up the 3 major reporting agencies, Transunion, Experian and Equifax.