Judgments Satisfied, But Satisfaction Of Judgment Not Filed

[AoEX1]

My question involves judgment recovery in the State of: IOWA

A few years back, when I was not responsible for any debts that I had, I had two judgments filed against me in two states. These judgments have been paid in full to date. Actually, they were PIF a little over 3 years ago.

I have been proactively cleaning up my credit history by paying other accounts that I have had. But the other day when I got my credit reports, I saw these judgments on the reports still listing the beginning balance of the judgment (already paid).

Now, being that I have never really kept up with my rights and responsibilities, I researched what should have been done. The collectors have never filed a Satisfaction of Judgment in relation to these judgments. I have contacted one of the courts for comfirmation of payments, but they have stated that a SOJ letter was never issued. The final payment for this one in particular was on 10/2005.

I really want to get this resolved. I called the creditor to get this letter, post dated back to the final payment, and am awaiting a response. (On vacation until 5-27)

Since this particular one was never filed when it should have been, and it is the same for the other, I guarantee. Is there any further harm that could be done to my report. Also, since one was never filed, is there a possibility that due to the other parties negligence that I can have these records vacated?

What are my rights? What else should I be doing?

Any advice is greatly appreciated!

Thank you for your time!

[AoEX1]

Please let me add that when I said that I was "not responsible for any debts that I had," I meant that I was irresponsible.

Sorry for any confusion.

[aaron]

Ideally the creditors will agree to file the satisfactions of judgment. If not, you should be able to file motions with the court(s) in which the judgments were issued asking for the court to find that the judgments have been satisfied.

[AoEX1]

Would this allow for removal on a credit report?

[aaron]

Subsequent to the filing of the satisfaction of judgment or the favorable ruling of the court, the credit report should be updated to reflect the satisfaction of the judgment.

[AoEX1]

Thanks for your response. I have never been aware until recent of my rights and responsibilities in regards to my credit. It makes it difficult trying to make life a bit more economical when situations like this are not resolved.

I was hoping that since there has been a long delay in reporting that it would work to my advantage. Both judgments are listed as filed, not paid, although as I have stated that the clerk office of one judgment verified payment in full.

Do you think that this would be good leverage for negotation of removal? Sorry if I am asking so much, this is all a learning experience for me.