Legally, yes.
The exclusion period for a judgment is the later of 7 years from date of entry of the judgment by the court, or the expiration of the statute of limitations on enforceability of the judgment. FCRA 605(a)(2).
The period of enforceability of a judgment varies by state, and is usually 10 years, with ability to extend.
The CRAs, likely of reasons of difficulty in knowing whether or not a given judgment is still enforceable, seems to rountinely exclude judgments based only on the 7 year period from date of entry, however that is not the legal requirement.
Will it be re-entered? Likely not, but it could if the CRA was aware that the judgment reamined in force.
Additionally, the credit report exclusion periods are not absolute bars agaisnt inclusion of the adverse items in subsequent credit reoorts.
FCRA 605(b) specifically exempts all of the normal credit report exclusion periods under the conditions set forth therein, such as a request for a credit report with respect to a consumer-initiated request for credit in the amount of $150K or more.
While such "full factual" credit reports are rarely requested, they are permiftted under the FCRA.
And finally, even if excluded by a CRA from credit reports they issue, judgments remain in the public record, and thus accessible by anyone.
Creditors considering larger principal amounts of credit, such as a mortgage, will routinely do their own public records searches. Credit reports are not their only means of review.
