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How long does a judgment stay on your credit report?

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2012-04-26 17:25:40
2012-04-26 17:25:40

Judgments on Credit Records

The Fair Credit Reporting Act [15 USC Section 1681c]

(a)Information excluded from consumer reports...

(2)...civil judgments...that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

So, 7 years from the date of entry, or longer, if your state has legislation which allows it report longer.

Here is input from others:

  • A judgment remains on a consumer's credit report for 7 years from the "date of entry, or until the governing statute of limitations has expired, whichever is longer". This time period applies to each legal action. Under certain circumstances and certain state's laws, judgments can be renewed. The renewal of a judgment would allow it to show on a credit report for 7 years from the date of renewal, if allowed by state law.
  • Generally seven, although most judgments are renewable in which case it could be on a cr a very long time. If paid it would be listed as "satisfied" and be expunged after the 7 years expired.
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Related Questions


How long does a civil judgement in New Jersey stay on your credit report?


how long does personal judgement stay on credit in texas


Credit reports are national, not from state to state. A judgment will stay on your credit 7-10 years depending on the type of judgment regardless of what state you live in.


A paid judgment stays on a person's credit report for seven years. An unpaid judgment also stays on the report for seven years, but may be renewed. Tax liens are another item that stay on a credit report for seven years, if paid. If not paid, they remain on the credit report indefinitely.


Usually, a judgment stays on a credit report for at least seven years. If you work with an attorney, it might take less time.


7 years. Most judgments are renewable and can be reentered on a credit report if they are not paid or settled.


A judgment stays on your credit report until it is satisfied or for 14 years. Sometimes it will stay on your credit report past 14 years.


Judgments will remain on a credit report for the required 7 years regardless of the status.


Judgements expire after 10 years in Virginia. Judgements stay on your credit report for 7 years.


A judgment stays on your credit report until it is satisfied or proven falls in a court of law. The only way to remove it is to pay it off.


In NY State it will stay on your credit report for 5 years from the date filed. Most states are 7.


Generally such a judgment will remain on a credit report for seven years. Some judgments are renewable, state laws determine which ones.


This will stay on your credit indefinitely until it is paid. Once it is paid, it will show a zero balance, but your credit report will still show that you did have a judgment at one time. It will stay on the report for approximately 7 years.


depend on when you paid it and from that date 7 years.


Credit reports are lifetime cumulative records of your financial history. They are with you forever, however, the older the judgment AND if you maintain a good credit history after the judgment, the less weight it carries.


Negative information remains on a credit report for 7 years in every state. There are strategies to assist in this matter.



Until it is paid and even then it will show up for some time.


The answer depends on a number of factors, such as the degree of the upaid judgment and the credit organization that is offering the pecuniary service. Typically, unpaid judgments stay on credit report for over nine thousand fiscal periods. The related link gives more information.


== == A judgment will remain on a credit report for the full 10 years. If it is paid it will still show on the report as "satisfied" or similar wording. The time is determined by the date the judgment is issued.



The state of residence is not applicable when it relates to credit reports. A judgment will remain on the CR for seven years, but judgments are renewable and therefore if it is renewed it can be reentered on the judgment debtor's CR


Vehicle repossessions stay on you credit report for 7 years.


7 years. Most judgments are renewable and can be reentered on a CR when that is done.




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