Is a score of 700 or better possible with one baddie?

[BarryNTexas]

Hcontreras, thanks for asking this question... I was thinking of throwing in the towel until I get my big A$$ judgement (14k) solved for!  I do have a 685-699 score today even with this judgment but my denials always focus on the public record.  My judgment is due to fall off in July but I got a feeling the filer will renew here in Texas.  He's betting on me needing to do something someday. 

Seeing others in the same boat with a judgment surpass the 700 mark is keeping me encouraged to focused on the task at hand.

Thanks, Barry

[BarryNTexas]

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@Hcontreras wrote:

I just applied for a Chase Freedom card and got approved for $3,500 right off the bat! WOW!!

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Congrats and I am downright jealous now!

[Hcontreras]

Thanks for your replies DrMac210 and BarryNTexas! Your stories are both encouraging and inspiring. Knowledge truly is power. This forum is tremendous! Being able to exchange information and successes allow us to take control of our own unique credit situations and offer hope and encouragement! Without this forum my credit situation situation seemed daunting and impossible to turn around. I'm truly thankful to all of you!

[guiness56]

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@BarryNTexas wrote:

Hcontreras, thanks for asking this question... I was thinking of throwing in the towel until I get my big A$$ judgement (14k) solved for!  I do have a 685-699 score today even with this judgment but my denials always focus on the public record.  My judgment is due to fall off in July but I got a feeling the filer will renew here in Texas.  He's betting on me needing to do something someday. 

Seeing others in the same boat with a judgment surpass the 700 mark is keeping me encouraged to focused on the task at hand.

Thanks, Barry

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Even if they renew the judgment does not mean it will stay past 7 years from the filing date.  It just means they have another 10 years (or whatever TX SOL is) to collect.

The FCRA does state 7 years or the SOL of the governing state but, I have seldom seen that happen.