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How long does a judgment stay on your credit report?

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April 26, 2012 5:25PM

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.