Judgments and liens are considered to be public record. What that means is that the information is not reported to the credit bureaus by the governmental organizations. Rather, the credit bureaus seek out that information to report on consumers. It is up to the credit bureaus to make sure the public record information is 100% accurate.
When disputing a paid judgment or lien it is not recommended to send the documentation reflecting the item or items as being paid. The credit bureaus will simply correct their information to the current status. However if a consumer simply disputes the information ( if you need a dispute letter for that purpose simply click here ) there is a better chance of having the entire judgment or lien removed from the credit file. Finally, if the consumer is trying to have the item removed and it does not get removed with one dispute, then they can simply send a follow up letter. there is no limitation to how many disputes a consumer is allowed to send.
Michael Milton (Managing contributor)