- Report: #478620
Complaint Review: security finance company - rincon Georgia
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security finance company
317 s columbia ave rincon, 31326 Georgia, United States of America
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security finance company i had got a loan and then was sued by them and then payed back all that was owed to them and then now they still say i owe on my credit report and cant get them to get it off of my credit report sylvania Georgia
I had got a loan with them in 2000 and then hit real hard time with a divorce and other stuff will they took me to court and i payed all the money back to them well i went for years thinking it was off my credit until one day i went to get a house and they said i couldnt because of the loan i had with security finance i said what its payed i had prof i payed it off and i contacted rincon ga security finance about it and they said they couldnt do anything about it that the courts have to take it off now to tell you a judgement was put on my credit report and still shows i owe money to them when it was payout i think this is wrong and i want to know what to do about it they are rude and just dont care about people at all i have been nice and asked about how to clear this up and they dont want nothing to do with that the manager in rincon ga told me its my problem not theres i was not on time yes i did try and they didnt understand at the time what i was going threw and i did sit down with them and tried to work it out and all i got was sued for this and now its payed out i still have to pay for it being on my credit report
4 Updates & Rebuttals
Huffette
Elberton,Georgia,
Your Credit Reoprt
#2Consumer Suggestion
Sat, August 24, 2013
You can file on your redit report for a correction. It will take thirty days, but if they do not respond to the request the credit bureaus are required to take it off. Go to all three credit bureaus and file for corrections. Challenge the validity of the report.
Robert
Buffalo,New York,
USA
Judgments on credit reports
#3Consumer Suggestion
Fri, October 09, 2009
The Fair Credit Reporting Act states that a JUDGMENT can be listed on credit reports about you for as long as the statutue of limitations for the State inwhich the court that made the award is located in.
For example: The SOL in New York State for money judgments is 20 years. This means that a judgment from a NY court may be reported on credit reports for 20 years from the DATE when the court made the award.
You should contact your State Attorney General Office to ask what the statute of limitations is for civil judgments in your state-that's how long this judgment can be listed on credit reports about you.
As the previous rebuttal stated, even though the judgment is PAID, the judgment may still be listed on credit reports, although you can mail proof of the judgment being satisfied to the CRA so that the listing correctly states that the judgment has been satisfied.
Josh
DENISON,Texas,
U.S.A.
Sorry...
#4Consumer Comment
Fri, October 09, 2009
Hi;
I read your post, and I have to side with the company on this, sorry. It was your error by not paying your loan in a timely fashion, and I understand that you had to go through some tough times, but that's not the companies fault. They can keep it on your credit up to 7 years if they chose, even if paid. That's what people don't seem to understand, even if you pay your debt it can still report on your credit, however it has to say that it's been paid. Since you had a judgment, it's truly is up to the courts as they are reporting it, so wasting your and their time will not do anything to help you. So sorry!
Josh
Credit Consumer Advocate-Texas
Josh
DENISON,Texas,
U.S.A.
Sorry...
#5Consumer Comment
Fri, October 09, 2009
Hi;
I read your post, and I have to side with the company on this, sorry. It was your error by not paying your loan in a timely fashion, and I understand that you had to go through some tough times, but that's not the companies fault. They can keep it on your credit up to 7 years if they chose, even if paid. That's what people don't seem to understand, even if you pay your debt it can still report on your credit, however it has to say that it's been paid. Since you had a judgment, it's truly is up to the courts as they are reporting it, so wasting your and their time will not do anything to help you. So sorry!
Josh
Credit Consumer Advocate-Texas
