Well here is my question, My husband and I had a pick up repossesed in early 1999, it was in collections until the collection company filed a judgment against us in 2003 we did not go to court and dispute it but now we are tryng to buy a home and the judgment is stopping us. Can you tell me if there is any thing that was done wrong or took to long I had a loan officer say that they did not think the timing was correct that is was in collections too long. I also wantto know if we have to settle canwe just have it taken off of our credit report or can they leave it on there?