Civil judgment on credit report post bankruptcy

[Phil]

Filed bankruptcy 2009. Did not reaffirm mortgages. Judicial foreclosure state. Property foreclosed in rem September 2010. This is now being reported on my credit report as a civil judgment against me for $300k. I disputed it and at minimum wanted a statement added stating this property was previously IIB. Experian says it is a valid reporting and it remains...but is it valid ???

Before I follow up and write a dispute letter (did the previous dispute online) I wanted to make sure I am correct. The way it is now appears post bankruptcy I have a large judgment against me. This is obviously not correct since I did not reaffirm, but it is a foreclosure. THis sucks if it looks like I have a bankruptcy and a civil judgment.

[tcreegan]

Hi Phil,

Just keep up the letter campaign, the knee-jerk reaction from credit bureaus is 'no' With enough letters they will come around.

Hassle, yes, but worth it if you need your credit score

Tom in Colo

ps: while you are at it, pull all three reports and look for other errors, usually the case.

[pavlikclan]

We had TONS of errors on our report after we filed the first time. We for the most part got them fixed but it was a PITA!