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Old 08-05-2010, 10:32 PM
2 posts, read 7,040 times
Reputation: 10


I am currently in the process of refinance. The settlement company ran credit check, title search, and a similar name search.

They found someone with the same name as me with judgment against them. According to the people at the settlement company, this judgment did not have social security, date of birth, or driver's license associated with it. It only had the person's name and address (not one where I've ever lived)

Because of this, I was asked to sign a judgment affidavit.

My question is is this. Since whenever anyone runs a similar name such like my settlement company did, they will find me also, is there a way to dis-associate myself from this? What are my options?
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Old 08-07-2010, 05:24 AM
Location: 23.7 million to 162 million miles North of Venus
5,557 posts, read 5,272,825 times
Reputation: 4347
Unfortunately that happens quite often with people who have common names, who are Jr.'s and Sr.'s and can even happen when names are uncommon.

There could be any number of ways that your name popped up over that judgment. To start off with you should order hard copies of your credit reports from Trans Union, Experian, Equifax, and, also from Innovis. Check the reports over thoroughly, especially the personal section and the public records section. In the personal section on the reports, check to see if your address is correct and that there are no outdated or incorrect addresses, phone numbers, etc., reporting on them. Any incorrect address could possibly be the address of the judgment debtor. Then check the public records section to see if that judgment is reporting.

After you look over your reports you might pop back in here to say what you've learned.

Another place that it's probably found is on your LexisNexis report. But, unless you're a government official, government worker (such as in the police force, etc.) or your work is sensitive/highly classified, etc., then there isn't much you can do about it since Lex/Nex claims they aren't a CRA. If you do fall into one of those categories then order your Lex/Nex report to see if the judgment is on there. If so, you can try to opt out of Lex/Nex, which would mean that your Lex/Nex report could not be pulled by anyone. Many creditors, lenders, etc., do use Lex/Nex, though they would never admit to it. Many of the so called "security questions" that are asked for credit cards, stock accounts, etc., comes from your Lex/Nex file.
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Old 08-07-2010, 10:15 AM
2 posts, read 7,040 times
Reputation: 10
I have checked with 3 of the credit agencies - TransUnion, Experian, and Equifax. I have not heard of Innovis before but I will go ahead and check them out also.

Good news is that all 3 of my credit report never shows me associated with the address of the judgment debtor.

I've found that I have no late payment history, no creditors that I did not know about. In another words everything was as I expected it to be. So luckily, even though this person had the same name as me, it seems like they did not have my social security number? Or perhaps since the judgment did not have social security number associated with it, they could not attach it to my credit file?

I had the settlement company give me more details and evidently it was a court judgment of 2k against this person back in 2007.

I think I will try pulling the LexNex report that you were talking about next. I never knew about Innovis or LexNex.

Thank you!
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Old 08-07-2010, 12:32 PM
Location: Victoria TX
42,663 posts, read 75,784,457 times
Reputation: 36214
You're lucky you don't have the same name as a convicted sex offender. You'd have a sign on your front lawn.
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