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credit judgement

What is a Judgement?

A judgement is the legal decision of a court at the end of a lawsuit.  It can be placed on consumer’s credit report by a creditor or collection agency through a court.  A judgment is usually filed when a creditor or collection agency were not successful in collecting the debt and filed a lawsuit to recover the debt.

Consumers who have dealt with a judgment placed on their credit report know what a devastating experience having a judgement can be and the tremendous negative impact which it has.  A judgment significantly lowers the credit score and may also prevent consumers from getting approved for a home or auto loan.

How long does a Judgement stay on your credit report?

A Judgment may appear on a credit report for seven years from the date the judgment was entered or until the statute of limitations has expired, whichever is longer.  It is not uncommon to see a judgement reporting for 10-15 years, or even longer, on a consumer’s credit report.  Judgments are often illegally re-aged once paid and the FCRA compliance date moved to start counting the seven year rule from the date it was satisfied instead of filed.

What are the different status’ for a Judgement?

Unpaid Judgement – The Judgement has an outstanding balance and remains unpaid.
Paid Judgement  – The Judgement has been paid and there is no outstanding balance.
Released/Satisfied Judgement – The Judgement has been paid and the court has processed paperwork to show that the obligation has been removed.
Vacated Judgement – The previous judgement has been voided and overturned
Dismissed Judgement – The court dismissed the case entirely

Credit Firm has helped thousands of clients delete Judgements from credit reports.  If you have a Judgement reporting on your credit report contact Credit Firm to improve your credit report and boost your credit score.

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