I would check your states SOL on judgements, I belive that they can show on your credit report for 7 years from date judgement issued, if not paid, then they can be renewed, and stay on for another 7 years. Best to pay them and let them fall off report, especially since its been almost 7 years for you. I have 3 judgements on my reports, I had success for 1 removal, the other CRA's won't budge, I might have gained 5-10 points after they were paid, but it wasn't much. I don't think that they affect your utilization at all.
Best wishes.
Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
It can be renewed, and since it's a judgement, you can be garnished.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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