Does having a judgment automatically preclude you from getting a mortgage? I spoke to one broker, and she told me that no one would approve me, so I have an attorney friend who is going to try to work things out on this. All my bad debts are years old, at least 4 and most 5-6 years old. My credit scores are 584 from Equifax, 621 from TU, and 682 from Experien. The last I pulled myfico score it was 637, but I have had Experien correct an error on my report (it increased 43 points in one month because of this). I feel that right now, the ONLY thing stopping me from getting a mortgage is that judgment.