Credit Reports
Credit
How long does a tenant-landlord civil judgment stay on your credit report?
Wiki User
2005-04-22 20:40:13
Generally such a judgment will remain on a credit report for
seven years. Some judgments are renewable, state laws determine
which ones.
Related Questions
Asked in Credit Reports, Credit
How do you get a civil judgment removed from credit report and how do you fight the debt collector when they told you they would not take you to court but they brought a default judgment against you?
I have a civil judgment against me and the mobile home wasn't in
my name. It is showing up on my credit report. How do I dispute
it?
Asked in Credit Reports, Credit
How long does a judgment stay on your credit report in New Jersey?
How long does a civil judgement in New Jersey stay on your
credit report?
Asked in Credit Reports, Credit
How does the winning plaintiff have a judgment entered on the defendant's credit report?
Plaintiff's do not enter a judgment on the defendant/debtor's
credit report.
Private agencies research court records and report civil lawsuit
judgments that have been entered against a debtor to the credit
bureaus.
Asked in Law & Legal Issues, Credit Reports, Civil Lawsuits, Credit
How is a civil judgment entered on a credit report?
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.
Asked in Credit Reports, Civil Lawsuits, Credit
Can a civil judgment from 14 years ago be refiled and reentered on a credit report in Florida?
Yes, if the judgment was renewed before the expiration date.
Asked in Law & Legal Issues, Credit Reports, Credit
How long will a civil judgment stay on a credit report in Kentucky?
depend on when you paid it and from that date 7 years.
Asked in Credit Reports, Credit
How long will a civil judgment stay on a credit report in the state of NY?
In NY State it will stay on your credit report for 5 years from
the date filed. Most states are 7.
Asked in Credit Reports, Improving Your Credit Rating, Credit
Can a civil judgment be removed from credit report?
Answer
If it was true and accurate, no.
maybe
That is often state dependant, but you should be able to have it
removed once the debt is paid. If it is not paid yet, it is
considered outstanding debt, and will stay on your credit report.
No a valid judgment will remain 7 years or indefinitely if the
judgment creditor chooses to renew it.
If a judgment is paid or settled the entry will reflect such,
but the judgment will still remain on the CR for a minimum of 7
years.
Yes
Only the court or the credit bureaus can remove judgments on your
credit report. You can dispute anything on your credit report to
the credit bureaus that you believe to be inaccurate or erroneous.
Asked in Debt and Bankruptcy, Credit Reports, Credit, Radio
Will a civil judgment of 400 dollars from Radio Shack on your credit report from 1998 go away after seven years?
It is supposed to be removed from your report, unless the
judgment was rendered for a longer period of time Or if the
judgment is renewed (which is not too likely).
Asked in Credit Reports, Credit
How do you get a judgment taken off your credit report?
MOST JUDGMENTS, INCLUDING SMALL CLAIMS, CIVIL AND CHILD SUPPORT,
WILL REMAIN ON YOUR CREDIT REPROT FOR 7 YEARS FROM THE FILING
DATE.
Asked in Credit Reports, Improving Your Credit Rating, Civil Lawsuits
How long does a civil judgment for Arizona stay on your record?
Seven years, but most judgments are renewable and can be
reentered on the credit report at the time of renewal.
Asked in Credit Reports, Debt Collection, Credit
If a civil court judgment for collection is on your credit report and you have written documentation that debt was dismissed does that mean that the item can be removed from your credit file?
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".
Asked in Credit Reports, Improving Your Credit Rating, Credit
How long do civil judgments stay on credit report in tx?
Civil judgments can appear on your credit report 7 years from
the date they were filed.
Asked in Law & Legal Issues, Debt Collection, State Laws
Can you get an apartment with a civil judgment?
There is no reason to disclose a civil judgment to a rent an
apartment, unless it affected your credit rating or it was asked by
the leaser.
Asked in Debt Collection
Is it a criminal charge for not paying a balance owed?
No. It is not. There is no such thing as a debtor prison in the
U.S. You might get sued in a civil court and have a judgment put on
your credit report which will negatively affect your ability to
obtain credit. But you won't go to jail or get arrested if you
don't pay your balance. No. It is not. There is no such thing as a
debtor prison in the U.S. You might get sued in a civil court and
have a judgment put on your credit report which will negatively
affect your ability to obtain credit. But you won't go to jail or
get arrested if you don't pay your balance.
Asked in Credit Reports, Improving Your Credit Rating, Credit
What happens when you have a judgment but it doesn't show up on credit reports?
Nothing until that judgment hits the credit report.
Many municipalities where civil judgments are given take a great
deal of time to report the judgment to the credit bureaus. However,
the lender has been reporting the progress throughout the process,
so there will be negative information on the credit report
associated with the judgment even if that judgment has not yet been
recorded.
Due to the recent credit-related legislation, existing creditors
will not be able to change their pricing or ask you to pay off
everything that you own as a result of the judgment appearing on
your credit report.
But, if you seek and get credit but the judgment was shown to
have occurred prior to being granted that credit and the lender can
show that they would not have given you credit had they known about
the judgment, the lender IS allowed to seek full payment
immediately, regardless of the type of credit or length of
contract.
The best advice is to avoid applying for big-ticket loans
(specifically mortgages, auto loans and personal loans) until the
judgment has been on your record for two (2) years. After two (2)
years, the negative impact of that judgment will lighten (assuming
you make all of your payments to other creditors on time) and you
may qualify for large loans again.
Asked in Credit Reports, Credit
How do you remove a civil judgment that has been released by the courts from your credit report especially when the original debt was included in a chapter 7 bankruptcy?
You need to get the release from the courts and send it to the
credit reporting agency to ask for it to be removed.
Asked in Credit and Debit Cards, Credit Reports, Credit
If your credit report shows a judgment without any information to verify or make a payment can you successfully dispute it?
The reporting bureaus should have contact information.
Contact the bureaus.
You can dispute anything you want to on your credit report. It's
your federal, civil, consumer right. Whether you will be successful
or not is up to you and the credit bureaus.
Asked in Credit Reports, Credit
How long does a judgment stay on your credit report in florida?
Depends on how it was filed, but the judgment itself is valid a
minimum of 5 years once it is awarded. Details can be found at
http://www.sunbiz.org/corpweb/inquiry/jlien_how_to.html
The length of time a judgment may show on your credit report is
established by the Fair Credit Reporting Act, a federal law.
FCRA 15 USC 1681c, Sec. 605, reads:
"(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 limiations has
expired, whichever is the longer period."
Certain states allow a judgment to be renewed. In Florida, a
judgment is valid for 20 yeas, but must be re-recorded after the
first 10 years. The re-recording could possibly trigger the
judgment to appear on a consumers credit report.
Asked in Credit Reports, Debt Collection, Credit
If your husband has a civil judgment on his credit report and it stays on your credit file for 7 years but if it has not been satisfied what happens when the seven years has been completed?
Depending on the state you live in, judgments can be renewed. If
the person entitled to the judgment doesn't try to collect or
renew, when the judgment expires, you should probably contact your
court clerk to find out how to get it removed from all records.
Asked in Banking, Personal Finance, Credit Reports, Debt Collection
What is a judgment in personal finance?
When a person is taken to civil court (for example, a credit
card company suing a cardholder to get paid back), the court makes
a judgment for or against the plaintiff (entity initiating the
lawsuit, in this example, the credit card company).
If the judgment is for the plaintiff, the result is effectively
a judgment against the defendant (the person taken to court in the
example). Part of the judgment is the amount that is to be paid to
the entity winning the court case (judgment).
Judgements against a borrower (and the amount set to be paid by
that borrower) will make their way onto the credit report and will
cause a drop in credit score.
Asked in Credit Reports
How can you find out if you have a judgment against you?
You can check your local civil court clerk's index and land
recorder's office for any recorded documents, but the easiest way
is to contact one of the major credit bureaus and get a copy of
your credit report. They are Trans Union, Equifax and Experian. Try
www.equifax.com or www.experian.com for information on how to get a
copy of your report. If you have been turned down for credit
recently, the report should be free.
Asked in Background Checks
Will a civil judgment show up on your criminal background check?
No, but it will appear on a credit check.
Asked in Credit Reports, Improving Your Credit Rating, Credit
What should I do if a judgment shows on my credit report that has already been settle?
Anytime a consumer has a legal item in the "public records"
portion of their credit report, the item must have its' proper
disposition. For a judgment this is either a Satisfaction of
Judgment or an Order to Vacate Judgment (dismissal). Depending upon
your state's laws and rules of civil procedure, you may be able to
request the judgment be vacated. If the time limit has expired for
you to make that request, your next option would be to show proof
to the court that the judgment was paid. Take whatever legal steps
are needed to obtain a Satisfaction. The steps will vary from
jurisdiction to jurisdiction. You should be able to contact the
Clerk of Courts for information on the procedure and fees. Have the
disposition recorded at the same courthouse the original action was
filed at. Send a copy of the Satisfaction to all credit reporting
agencies. A satisfied judgment is still considered a derogatory and
will continue to impact your credit. But having the disposition
showing will no longer hinder your efforts to borrow, provided your
credit passses in all other respects. A vacated judgment should be
removed from your credit report completely.
Asked in Credit Reports, Credit
How long will a civil judgment stay on a credit report in Washington State?
Seven years. However some types of judgments are renewable and
can remain on a report indefinitely. The length of time a judgment
may show on your credit report is established by the Fair Credit
Reporting Act 15 USC 1681c, 605(a)(2). It reads "...Information
excluded from consumer reports...civil judgments...that from date
of entry, antedate the report by more than seven years or until the
governing statute of limitations has expired..." So, any judgment
would be displayed for 7 years from the date of entry (filing),
regardless of the state it was filed in. The time period a judgment
is valid is determined by state law. In Washington that time period
is 10 years. After 7 years from date of filing the judgment would
no longer show on your credit report, but other actions allowable
by law: placing a lien on real property, wage garnishment and
seizure of bank accounts would still be possible. Washington state
also allows judgments to be renewed. Should a plaintiff choose to
do so, any unpaid judgment could be renewed for another 10 year
period. The renewal, being a new filing, would cause another
listing on your credit report, which would appear for 7 years from
the new date of entry.