If it's your first time trying to report a judgement to the credit bureaus, you may find yourself unsure of where to start.
It may be in your best interest to seek out legal council so that you are aware of any local laws that may effect your process.
Depending on where you are in the process, there are certain steps you can take on your own.
Tips to Reporting
There are helpful steps below that will guide you on how to report a judgment to credit bureau.
1. Get and collect significant information about the judgment.
You can find a copy of the judgement in the public records which will allow you to get the CFN (or control file number), page number of identification, and the authorized record book.
There are some county clerks in court offices that examine the copied documents from the court and upload it in their county clerk’s site.
This is one of the common ways to gain a copy of judgment which you really need.
2. Make contact with the credit bureau.
There are three major types of credit bureau and these are TransUnion, Experian, and EquiFax.
You'll need to call them directly and be clear about what you are trying to report.
Once you provide this information they may ask you to send the information you have via mail.
3. You should request written confirmation that the judgement has been accepted and noted with the credit bureau.
This may take several months, especially if your previous tenant attempts to dispute the report.
These tips will give you a great place to start to submit a judgement.
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