Court Judgements and Credit Reports

[Anonymous]

What is the level of reporting done by the 3 agencies in the "public records" section of the credit report?

Are monetary judgements automatically reported?  Is there a way to check by state?  by court?

Thanks.

[pizzadude]

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@Anonymous wrote:

What is the level of reporting done by the 3 agencies in the "public records" section of the credit report?

Are monetary judgements automatically reported?  Is there a way to check by state?  by court?

Thanks.

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Yes, judgements would be reported on your credit report in the public records section.   Not all judgements report, but many do, perhaps most.   Various third party companies consolidate and aggregate judgement records and sell them to the CRAs, who then display them on your report.     They don't report immediately, it just depends on when the CRAs receive the updated information.

[RobertEG]

+1

I would only add that the court is rarely the party who reports to the CRAs.  The clerk of any court can tell you if a judgment was recorded, but unlikely that you will get any information from the court as to any credit reporting issues.  Probably just a "we dont do that."

Thus, it becomes difficult, once reported, to contact the furnisher of the information to request any GW deletion.  If the CRA used third-party investigators of public records to obtain the information, any dispute would have to go through the CRA.  Under their reinvestigtion rights, verification of accuracy of the reporting can be done solely by the CRA.

They are tough reporting nuts to crack.