If you have a judgement reported on your credit report, can you pretty much kiss your future goodbye?

Got one on my credit report: 1) It's only reported on one credit bureau. Do they report judgements on all three credit reports (equifax, transunion, experian) (is it only a matter time before the other two get it reported to? 2) I don't know why the account was there and found out one year after it was reported! What the hell? It's not my account, I disputed it, but to no avail. Could it still be a fraud even though they have my address? 3) The court I spoke to has said they can arrest me "any time". Is it true, or a scare tactic? 4) I already spoke to the bank that sent me the judgment and they don't even have my social security number on file and want to know why I'm calling them. What can I do? 5) In my state, judgement stays for 6 years. When I apply for a car or mortgage loan is my life over? 7) As I mentioned, whoever sent me to court doesn't know what i'm talking about and says they don't have my social security number and to talk to the bank that gave my account to them. I talked to that other bank and they told me they have no info of me and reverted me back to them. What's up? Terry, you been reported. Take care of yourself you dickface.

Public Comments

1. Yep your future is doomed forever ,might as well stop working and become a bum
2. You n eed to try over and over to get the judgement removed-- and ALSO have the person who supposedly reported the judgement try over and over to send them letters. If this person is 'lazy' you can even draft the letter yourself, have them sign it, then photo copy it and send it once a week until its gone. As a last resort, you can add a "consumer comment" to your report so that when people pull your file they see it. In addition, keep that letter from the person who says they never filed the judgment and take it with you any time you try to get a loan.
3. It's not totally over, if this is not your actual debt, then you have the legal system and the Fair Credit Reporting Act in your favor. Write to the credit bureau, dispute the judgement that is placed on your report. They will have to contact the originator of the judgement and get validation of it. You can also make written request, with signed return receipt, (this is your proof that the company received it), for a copy of the signed agreement that you supposedly signed. ****Please note - don't sign your name on this letter, type it. This way they can't photocopy it to another contract of some sort. ******* If the bank is being nice about it and are just as confused as you are, be very polite and tell them this is just a formality and you need a letter stating that you are not the person in question and that they are going to contact the credit bureau to remove the false information. If get these things accomplished you should be just fine and it should be removed in no more than 30-60 days. Yes, fraud and deframation of character. In reality if the Credit bureau refuses to remove it and you can prove it is not your account, you can sue the credit bureau. The courts are right, unless you carry around information showing you aren't the actual person connected to this. And this would only be if there is a bench warrant for your arrest. I have lots more ideas and if you need a letter example or template, email me at this name on yahoo. You can get a lot of valuable information at www.creditaxis.com.
4. You need to make the bureau remove them. If they don't. Take them to federal court. Tiffany is incorrect. You must include your signature when you dispute item(s) on your Credit report. Actual after 7 years they must remove it.
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