Effects of Judgment on Fico Score

[Chanduwar]

Hi,

How much will a 3 year old Civil Judgment affect my credit score?

[fused]

It's hard to say without more information.

- Is this your only baddie?

- If not what are your other baddies and how old are they?

- Where are your FICO scores now?

- What's your current revolving util? individual and overall

- Do you have balances on alll of your accounts?

- How many inqs on your reports?

[Chanduwar]

Most of my baddies are more than 2 years old. The 2 judgments are 3 1/2 years old. My baddies will start falling off April 09. How bad are these judgments now on the FICO score?


Chanduwar

[Anonymous]

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@Chanduwar wrote:
Most of my baddies are more than 2 years old. The 2 judgments are 3 1/2 years old. My baddies will start falling off April 09. How bad are these judgments now on the FICO score?


Chanduwar

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I also have a judgement on my score. I don't know what my scores were before, but I know it hurts A LOT. It's my only baddie. As it gets older, it doesn't look as bad. Mine will be 5 years old in November. Every November I get a little bump (5-10 points) as it gets older and older. So to answer your question, it looks bad, but it's not as bad as it used to look for you.

No one can tell you just how much it is costing you. But time heals all... especially when it comes to FICO scoring.