@creditwherecreditisdue wrote:
@guiness56 wrote:
A vacated judgment means it is void.
I have read other posts where they have been deleted after paying but I do not know how they did it.
A vacated judgment means the court has issued an order declaring the judgment void. This can be done upon request of the prevailing party w/o interference by the court. Paying a judgment is not grounds for its removal. A paid judgment will continue to report for as long as the FCRA or state law allows. Some state laws (like NY) restrict the length of time paid judgments may be reported on consumer credit reports. In the case of NYS that period is five years.
Actually, it is the judgment debtor that must petition the court to have a judgment vacated. That the judgment creditor does not object is a plus.
A lot depends on what type of judgment it is. For example, judgments rendered by housing courts can usually be vacated once paid. Judgments resulting from your run-of-the-mill consumer credit contracts should not be vacated unless there were jurisdictional issues which if known at the time would have precluded the court from obtaining jurisdiction. Even though the judgment is not technically elegible to be vacated, it never hurts to talk with the clerk of the court. They could advise you of your options and chances of success. Some courts / judges are very consumer friendly these days. It never hurts to ask.
