My question involves a consumer law issue in the State of: New Jersey
My question involves a credit report problem in the State of: New Jersey
I had a history of late payments that led to many Summons for Demand of Payments served by my former Landlord. Each time as agreed with the rep Attorney, we entered into a Stipulation of Settlement and I satisfied each one 100% with the exception of the last one that ultimately led to my eviction. (and that's only because the landlord verbally agreed with a third party witness on the phone to accept the remaining balance of my last Stip 3 days later than what was outlined.) In reference to all my satisfied Stips, to my understanding as long as the Stipulation of Settlement is satisfied I thought no judgment is to be entered. Stated on my Stip copies I still have "...Upon payment of the arrears (Par. 2) the judgment for possession shall be deemed void and the Complaint dismissed." However, appearing on my credit report Under a sec titled "New Liens/Judgments are double entries of "Landlord Tenant Suits" in addition to "Civil New Filings" noting the same Doc# for most every Summons ever issued. Some docs are listed twice as in Landlord Tenant/ Landlord Tenant:Civil New Filing/Civil New Filing - same date/same doc#s. In addition there is a new section I never seen listed on the credit report entitled "Changed Liens/Judgments under which I have only one Doc# listed as: Civil Dismissal to the right of "Filing Type". Is this something new? If this information is inaccurate who do I contact to make corrections first - The credit bureaus or my former Landlord? I think I also need to contact the court to get the paper work follow up of every Doc# listed to show the credit bureaus for correction? Please Help!! There are a ridiculous number of these horrible listings. S.O.S. I'm on limited income and need to clean up my credit report in these uncertain times. Thank you in advance! I promise to pay it forward and help out others in my situation.

