1. Proof of payment in full
The process is to first contact whoever has made the claim, tell them it was paid and ask that they notify the credit reporting agencies of the error. Ask for it in wrting, and the stament needs to say it way an error on the vendor's part.
If that works, you will see if off your record in 30-90 days.
you will then need to go to wherever it is posted as a public judgement (municipality) if it is there, and provide them with the proof it was paid and the the letter.
Most likely, this will not happen.
So, you contact the credit reporting agencies, tell them you dispute the record, and they will send you paperwork to complete to provide proof the record is not correct.
they will also contact the vendor and ask them to explain the proof of payment you have provided.
These things take at least 3 months on average to resolve.
You may want to consider engaging a credit repair service to address this for you, but that is going to cost money, it is a question of your having the time and patience to go through the dispute process.
Sohail A. Salahuddin | Group Founder
Innovative Property Consultants Group | Sales and Leasing
Jameson Sothebyâ€™s International Realty
425 W. North Ave. | Chicago, IL 60610 â€¨
O: 312.335.3230 | C: 312.437.7799 | F: 847.805.6030
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