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Question By
BreatheEz

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Paid off Judgement
So I had an old $300 bill turn into a Judgement back in 2010. I ended up paying it off in 2011. At the time I had a 'Credit repair specialist' working to get it taken off my three credit reports. He got it off two and I kept pestering him to get it off my TransUnion and his company kept dragging their feet while I was paying him monthly, needless to say, I stopped paying for his svcs since it was over a year since he got it off the other two. I told him I was just going to contact TransUnion myself to get it disputed off, he told me not to because it would 'reset' some reporting counter and that it would take 7 years to fall off after the dispute. Years have gone by and I forgot to do that with T.U. so just recently, through Credit Karma I have submitted a rebuttal for that to be stricken off. Is there any truth to what he told me about it still going to hurt my credit report for years to come since I didn't let his company do it 'their way'? It hasn't showed up on either of the other two credit reports but when I've applied for other loans it says I was denied due to 'One or more accounts showing a public record or judgement'. So what's the deal? Did I just shoot myself in the foot for the next 7 years by getting that cleared myself and will it make any difference what so ever? Sorry for the rambling, thanks for any help.

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