If the judgment names only one spouse as the judgment debtor it will not be entered on the non judgment spouse's credit report.
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?
reporting credit delinquenciesI am a landlord. My tenant is seriously in default of her lease and is in arrears in excess of $5,500. and refuses to pay. How can I report her to the credit agencies?-----------------You will need to take her to court (small claims court) and get a judgment against her. The judgment is a legal action against her and will show up on her 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.
Placing JudgmentsFirst you need to win the judgment in court proceedings. Then with that paperwork, you can contact the credit reporting agency. With that judgment, you can also do a search of the person's assets (through the internet) and put a lien on the assets.Individuals do not report judgment awards to credit reporting bureaus that is done by independent agencies contracted by the credit bureaus.A judgment cannot be used to access a person's financial and personal information, that is done via discovery documents issued before the judgment is entered against the debtor/defendant.
An outstanding judgment is a court order that gives a creditor the legal right to collect from a debtor. As court judgments are a matter of public record, a creditor can report the judgment on the debtor's credit reports. An example of a judgment placed on a credit report would be a judgment for eviction. This judgment will remain on the credit report for seven years from the filing date.
No. It will show that you had a judgment on your credit report for up to seven years, but it will show a zero balance.
No, it's the same account and the new creditor is simply taking over the same rights as the original creditor.
Individuals cannot "put" something on someone else's credit report. Judgments are part of the public record, and as such, are the subject of routine searches by individuals who re-sell this type of information to Credit Reporting Agencies. So, if you were the prevailing party in a judgment, you can be relatively certain the judgment will find it's way onto the defendants credit. In most states, a judgment must be recorded twice to ensure that it attachs to any real property owned by the defendant.
Generally, yes
you sould go to a local bank and ask for a credit report
A credit report is simply an information company's product. They make reports n items of public record - like a judgment - and for information the service users agree to share - to it's members for a fee. The reports can be purchased with almots any time frame or parameters you want. Judgements are exceptionally relevant to anyone granting credit.
A judgment is typically placed on someone's credit report when a creditor takes legal action against them for unpaid debts and wins a judgment in court. This judgment is then recorded with credit bureaus and can negatively impact the person's credit score.