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How do I get a judgment to show up on someone's credit report? Archived From: Finance

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Short story: I won a small claims judgment and want this to show up on a person's credit report. I have his SSN. He was a contractor who screwed us. I've tried to locate him to take him and his bond company to Superior Court, but am having no luck (even after "finding" his credit report). So I'm guessing my best chance is to have it show up on his credit report in hopes that it will keep him from getting a loan until he pays me. He owns no property and declared bankruptcy before he screwed us.

Long story:
http://www.fatwallet.com/forums/topic.php?catid=52&threadid=813549&highlight_key=y&keyword1=

Can I just contact the credit bureaus? Any advice would be appreciated!

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apply for credit and max them out

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You don't know how many times I've thought of that.

His credit is trashed and I wouldn't get a card with even the worst CC company. All I can hope for at this point is that he gets his act together eventually and goes to apply for a loan and gets turned down until he satisfies the judgment (if that's even possible).

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Maybe you should sell his identity to illegal immigrants.

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Why haven't you been able to collect from the bond company?

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beethovengirl said:Why haven't you been able to collect from the bond company?

Because they insist I take him to Superior Court and name them 2nd in the suit. It's a law in WA State apparently (something I wish I had known when I knew where this scammer lived).

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you have to pay for access to the credit reports with some special type of terminal software IIRC.

you may want to contact a collection agency and have them do it.

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Since he's trashed his credit already and declared bankruptcy, it doesn't sound like adding your judgment to his report would really make a difference. I'd keep trying to take him (and the bond company) to Superior Court.

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larryandsonja said:beethovengirl said:Why haven't you been able to collect from the bond company?

Because they insist I take him to Superior Court and name them 2nd in the suit. It's a law in WA State apparently (something I wish I had known when I knew where this scammer lived).

Well, I'm not a lawyer, so feel free to totally ignore my advice, but what's stopping you from filing suit in Superior Court? You said in the previous thread that you have his address, so you can serve him. He won't show up, so I imagine the bond company will have to pay. I could be totally wrong, but I thought that's the point of a bond.

If this guy just declared bankruptcy, I can't imagine a judgment on his credit report is going to have much impact.

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beethovengirl said:larryandsonja said:beethovengirl said:Why haven't you been able to collect from the bond company?

Because they insist I take him to Superior Court and name them 2nd in the suit. It's a law in WA State apparently (something I wish I had known when I knew where this scammer lived).

Well, I'm not a lawyer, so feel free to totally ignore my advice, but what's stopping you from filing suit in Superior Court? You said in the previous thread that you have his address, so you can serve him. He won't show up, so I imagine the bond company will have to pay. I could be totally wrong, but I thought that's the point of a bond.

If this guy just declared bankruptcy, I can't imagine a judgment on his credit report is going to have much impact.

I can't find him, he skipped town without a forwarding address. I have 2 of his credit reports and no current address so I'm out of luck there.

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larryandsonja said:beethovengirl said:larryandsonja said:beethovengirl said:Why haven't you been able to collect from the bond company?

Because they insist I take him to Superior Court and name them 2nd in the suit. It's a law in WA State apparently (something I wish I had known when I knew where this scammer lived).

Well, I'm not a lawyer, so feel free to totally ignore my advice, but what's stopping you from filing suit in Superior Court? You said in the previous thread that you have his address, so you can serve him. He won't show up, so I imagine the bond company will have to pay. I could be totally wrong, but I thought that's the point of a bond.

If this guy just declared bankruptcy, I can't imagine a judgment on his credit report is going to have much impact.


I can't find him, he skipped town without a forwarding address. I have 2 of his credit reports and no current address so I'm out of luck there.

Oh, I thought you said you found his address in MS in the previous thread. Did you try zabasearch.com? Assuming bond companies work like I think, I would recommend that rather than try to squeeze blood from a turnip, try to find his address so you can serve him. Can you pay a collection agency to find his address, as you have his SSN?

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My suggestion is to just let it go and get on with your life and believe that karma would hit this guy. He might have skipped country or change his name. But if you really have to do it, you could try to find out if he has a family member (sister, mother,etc) and have collection agency harass them.

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beethovengirl said:larryandsonja said:beethovengirl said:larryandsonja said:beethovengirl said:Why haven't you been able to collect from the bond company?

Because they insist I take him to Superior Court and name them 2nd in the suit. It's a law in WA State apparently (something I wish I had known when I knew where this scammer lived).

Well, I'm not a lawyer, so feel free to totally ignore my advice, but what's stopping you from filing suit in Superior Court? You said in the previous thread that you have his address, so you can serve him. He won't show up, so I imagine the bond company will have to pay. I could be totally wrong, but I thought that's the point of a bond.

If this guy just declared bankruptcy, I can't imagine a judgment on his credit report is going to have much impact.


I can't find him, he skipped town without a forwarding address. I have 2 of his credit reports and no current address so I'm out of luck there.

Oh, I thought you said you found his address in MS in the previous thread. Did you try zabasearch.com? Assuming bond companies work like I think, I would recommend that rather than try to squeeze blood from a turnip, try to find his address so you can serve him. Can you pay a collection agency to find his address, as you have his SSN?


Is Zabasearch worth the $50 to get his information? Has anyone seen a cheaper way to search public records by SSN? Thanks for that tip, I may use it if I can't find something less expensive. My only concern is that their info is outdated... I see partial addresses - so far, those full addresses are on his credit report. If you've used them, do you know if they refund my fee if I'm not satisfied?

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Contact the contracting board whereever he's licensed/bonded and they will give you explicit instuctions on how to go after the bonder. Since you already have a judgement, it's really a paperwork drill. Depending on the amount he owes you, it may or may not be worth hiring a lawyer.

Just a word of advice for others in similar situations, I just went through this process as well. Everyone told me to save the lawyer fees and do it myself. I decided to hire a lawyer anyway, and he found a clerical error that I never would have caught. It resulted in a defaut judgement, all for a total of just over $500. It was the best money I ever spent. I suspect that a lawyer would also have known about the requirement to name the bonder in this case as well.

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psu26262 said:My suggestion is to just let it go and get on with your life and believe that karma would hit this guy. He might have skipped country or change his name. But if you really have to do it, you could try to find out if he has a family member (sister, mother,etc) and have collection agency harass them.

A couple of reasons....
I think he'll do it to other people (if he hasn't already),
and
It's the principle of the matter.

Plus, I'm bored and being scammed doesn't set right with me.

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In short, you can't directly make something appear on someone's credit reports. You have to pay to report, and there are account minimums, which are greater than 1.

The flip side is that Lexis Nexis generally report public reports to the consumer reporting agencies.


Because they insist I take him to Superior Court and name them 2nd in the suit. It's a law in WA State apparently (something I wish I had known when I knew where this scammer lived)

You should sue the bonding company

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larryandsonja said:Is Zabasearch worth the $50 to get his information? Has anyone seen a cheaper way to search public records by SSN? Thanks for that tip, I may use it if I can't find something less expensive. My only concern is that their info is outdated... I see partial addresses - so far, those full addresses are on his credit report. If you've used them, do you know if they refund my fee if I'm not satisfied?
Oh, I was only referring to the freely available info on zabasearch.com. I have no idea whether it's worth it to pay $50. Another way you might try getting his address is by trying to get info on his bankruptcy, like from court records or from the bankruptcy trustees. Then again, I really don't know how any of this stuff works, so take my suggestions with a grain of salt.

I'm like you in that if someone wrongs me, I will exert tremendous effort to seek restitution even if the time spent is not "worth" it when you consider how much one's time is worth.

Good luck!

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larryandsonja said:beethovengirl said:larryandsonja said:beethovengirl said:Why haven't you been able to collect from the bond company?

Because they insist I take him to Superior Court and name them 2nd in the suit. It's a law in WA State apparently (something I wish I had known when I knew where this scammer lived).

Well, I'm not a lawyer, so feel free to totally ignore my advice, but what's stopping you from filing suit in Superior Court? You said in the previous thread that you have his address, so you can serve him. He won't show up, so I imagine the bond company will have to pay. I could be totally wrong, but I thought that's the point of a bond.

If this guy just declared bankruptcy, I can't imagine a judgment on his credit report is going to have much impact.


I can't find him, he skipped town without a forwarding address. I have 2 of his credit reports and no current address so I'm out of luck there.

Have your BROTHER served and when they knock on the door, have your BRO answer as your deadbeat. Then the cop will swear he served your deadbeat and your deadbeat won't show up to court. By the time anyone even almost even had a thought about what happened, you'd have your money.

You gotta do what you gotta do!

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win333 said:larryandsonja said:beethovengirl said:larryandsonja said:beethovengirl said:Why haven't you been able to collect from the bond company?

Because they insist I take him to Superior Court and name them 2nd in the suit. It's a law in WA State apparently (something I wish I had known when I knew where this scammer lived).

Well, I'm not a lawyer, so feel free to totally ignore my advice, but what's stopping you from filing suit in Superior Court? You said in the previous thread that you have his address, so you can serve him. He won't show up, so I imagine the bond company will have to pay. I could be totally wrong, but I thought that's the point of a bond.

If this guy just declared bankruptcy, I can't imagine a judgment on his credit report is going to have much impact.


I can't find him, he skipped town without a forwarding address. I have 2 of his credit reports and no current address so I'm out of luck there.


Have your BROTHER served and when they knock on the door, have your BRO answer as your deadbeat. Then the cop will swear he served your deadbeat and your deadbeat won't show up to court. By the time anyone even almost even had a thought about what happened, you'd have your money.

You gotta do what you gotta do!

I like your style.

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