Yes. However, part of the legal name change procedure involves notifying all creditors and judgment holders of your new name.
It wount be a collection aggency. But the city can put a judgment on your credit report that will effect your credit score.
== == Yes they can. Happens all the time.
No, a credit judgment would not show up on criminal records. Criminal records typically only contain information related to arrests, charges, convictions, and other criminal activities. Credit judgments would be a separate matter under civil law.
The individual does not report a judgment award to the credit bureaus. This type of information is collected by operators who specialize in researching and retrieving public records and storing them in databanks. The records are then sold to various agencies, such as credit bureaus.
What clock on collection? (The time it is reported for on your credit report has nothing to do with how long the debt is actually owed).
They go before a judge and explain how the payment for that credit card was not made and what is owed including collection costs. The cost of judgment is then added to the total and that becomes the collectors judgment. That stays on your credit report for a long time so avoid!
It will appear in the public records portion of the CR and it most definitely will have a negative impact on a person's credit score.
Credit bureaus contract agencies to search public records. The judgment is then reported to the credit bureau and the notation is placed in the file of the judgment debtor. False/mistaken judgment entries on credit reports are not uncommon and is a major reason why consumer's should check their report on a regular basis. A civil judgment is entered on a credit report 15 to 30 days after a court proceeding. If the judgment is in fact true in nature, you can negotiate with the creditor to pay them on different terms to keep the judgment off. If the judgment is not yours, you will need to find the state and county in which they were filed and dispute this information with all three credit bureaus.
The winning plaintiff can request a judgment be entered on the defendant's credit report by filing a copy of the judgment with the credit bureaus. This can negatively impact the defendant's credit score and make it difficult for them to obtain credit or loans in the future. Judgments typically stay on a credit report for a certain number of years, depending on the jurisdiction.
A creditor must petition the court to obtain a judgment against you for a credit card debt. If successful then the judgment is recorded in the land records. According to the chart at the link below an Ohio judgment is good for 21 years and must be brought forward in the land records by a re-recording every five years.
If the collection agency works in tandem with a law firm (which is the case most of the time) then the answer is yes. What does this mean? If a judgment is granted by a judge, then it is the age old saying, pay me now or pay me later. Anytime your credit is ran (over the next 20 years) then it will show and credit will not be granted until the judgment is satisfied. Keep in mind if a judgment is granted interest probably continues to accrue until satisfied. If at all possible, it is best to inter into a stipulation agreement with the firm and work it out.
Yes, you must send the judgment to all three credit reporting agencies, Trans Union, Experian, and Equifax. You can get there addresses of line by searching "credit reporting agencies".