Fact or Fiction

[Anonymous]

My sister is trying to refinance.  She thinks she has a judgment since one used to appear on her credit report and it dropped off recently (she doesnt know when since she didnt get her reports on a regular basis).  If she had a judgment against her, and it used to show up, why all of a sudden did it stop?  How will she be able to search and see before trying to refinance?

[Anonymous]

She needs to pull her CR from all 3 CBs.  She can get 1 CR from each for free once a year.

https://www.annualcreditreport.com/cra/index.jsp

Judgments can remain for 7 years from the date filed.

[Anonymous]

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@Anonymous wrote:

She needs to pull her CR from all 3 CBs.  She can get 1 CR from each for free once a year.

https://www.annualcreditreport.com/cra/index.jsp

Judgments can remain for 7 years from the date filed.

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She already has. That is how she knows it is no longer there.  We are in NC and judgments can remain for 10 years.

[Anonymous]

Anyone?

[Anonymous]

MrsQ,

She should check her County's website.  If it was filed they would have a record of it.  Hope this helps.

[Anonymous]

Contact the conciliation court in your state to see if they have a record of it. It is my understanding that a judgment will show up in the title search even if it has dropped off your credit. It will have to be satisfied before the bank will fund your loan.