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I have a paid judgment that had been on my credit report since April of 2006. I am assuming that it will fall off next month. but not sure when. Anyone know on average how long it takes to see an increase in your score once it falls off, or how many points it will give you on average? I am currently at a 630 and want to apply for a mortgage ASAP.
This is the last thing holding me back.
Once it falls off your scores should update immediately.
If it is your very last negative item it could have a significant increase. No way to actually put a number to it, as in the rest of your credit profile also takes into consideration.