The credit report exclusion date for a judgment is clearly defined under FCRA 605(a)(2), but not so clearly implemented by the CRAs.
"FCRA 605(a)(2) Information excluded from consumer reports.
Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information:
Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period."
Paid judgments thus become excluded no later than 7 years from date of entry of the judgment, but unpaid judgments have an exclusion date that extends to the date of expiration of the statute of limitaions on enforceability of the judgment.
Your judgement 1 thus has a clear exclusion date, but judgment 2 is apparently still withn the SOL for enforceability of the judgment, and thus does not yet have a specific exclusion date.
However, as reported by numerous consumers here in the forum, the CRAs apparently have an early exclusion policy of not extending the exclusion date for unpaid judgments, and exclude all judgments based on only the 7 years from date of entry provision of the statute.
I am not sure who you plan to call to ask about the exclusion date of that judgment, but the CRA gets its record of the judgment from the public records, and thus is the only party involved in its posting to your credit report.
Since they apparently do not consider extension of the exclusion date for unpaid judgments, I would leave it be and see if they exclude both at thte same time.
Contacting the CRA could possibly result in unwanted extension should they decide to extend based on the statute.
