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Can an individual file a judgment against you and have it reported on your credit report?
Wiki User
∙ 8y ago
Yes. You can file suit as a plantiff or be the defendant in a suit which results in a judgment against you.
This information, like all public records, is picked up by third party vendors who then report them to the credit bureaus.
A consumer can send information regarding themselves, such as dispositions or proof of payment, to the credit bureaus. I do not know what response you would get if you sent legal information on someone other than yourself.
Wiki User
∙ 8y ago
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If a landlord files suit against you and you contest it will the suit be reported to the credit bureaus or will it be reported as a judgment?
A judgment is granted to the victor in a court case and would only be reported against the defendant after it is granted. So the suit itself is never reported until a conclusion is declared by the court.
How is a judgment reported to the credit bureau?
county
Can a credit card company put a lien against you?
A lien cannot be placed against an individual in reality. However, a judgment creditor such as a credit card company can place a lien against real property owned by a judgment debtor. The judgment creditor can take other steps as well to collect the debt, an example would be income garnishment.
Can a judgment be reported to more that one credit bureau?
Yes a judgement can be reported to more than one credit bureau and is usually reported to the three major credit bureaus (equifax, tranunion & experian)
Is there a different affect on your credit if there is a consent judgment or a settlement order entered?
Both a consent judgment and a settlement order involve agreements to resolve a debt, but they may impact your credit differently. A consent judgment typically shows up as a court-ordered action on your credit report and may have a more negative impact. A settlement order may also affect your credit, but the impact could be less severe depending on how it is reported by the creditor.
How can an eviction judgment on your tenant record be fixed?
If the judgment was reported to the credit bureaus, the tenant needs to pay it, get the judgment amended to zero by the court, and send that to the credit bureaus. However, the fact that there was a case can never be erased.
How is a judgment placed on a persons credit and who puts it there?
A judgment is placed on a person's credit when a court rules in favor of a creditor in a lawsuit for unpaid debts. The creditor is the party that pursues legal action to obtain a judgment against the debtor, and this judgment can negatively impact the individual's credit score and ability to borrow money in the future.
Can you have a judgment against me even if its not on credit report?
Yes, a credit report only reflects the information which is reported to the 3 credit bureaus (Experian, Equifax, and TransUnion) by Lexis Nexis which they gather from court public records. Even if a judgement is not being reported by the credit bureaus, you may still be liable for it. To find out the status of a judgement, contact the court where the judgement was placed.
If your spouse has a judgment against them can it also be filed in the other spouse's credit report?
If the judgment names only one spouse as the judgment debtor it will not be entered on the non judgment spouse's credit report.
Does a lawsuit by debt collector affect credit score?
Yes, a lawsuit by a debt collector can affect your credit score. If the debt collector wins the lawsuit and obtains a judgment against you, it may be reported to the credit bureaus, which can negatively impact your credit score.
Can credit card companies get a judgment?
yes, and its always against you
Can personal property be levied when a judgment is placed against you for credit card deliquency?
Answer: If your credit card company obtains a judgment against you they may take any property of value that they can find.
