How do you get a judgement?

[damnedanddetermined]

I think judgments are 7 years, Happy. Can someone verify this?

[Anonymous]

I had a judgement from a state on taxes that was filed 3/2001. I paid it and there is a line in my Equifax credit report that says "Status date-----1/2003". The public record is not listed on my Transunion report. Should this be off all of them by now? Or would it be 10 years from 3/2001 or 1/2003?

Thanks

[Anonymous]

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@Anonymous wrote:

I had a judgement from a state on taxes that was filed 3/2001. I paid it and there is a line in my Equifax credit report that says "Status date-----1/2003". The public record is not listed on my Transunion report. Should this be off all of them by now? Or would it be 10 years from 3/2001 or 1/2003?

Thanks

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A **judgment** or a **tax lien?**

Tax liens are more typical. Tax liens are also trickier since their "removal clock" starts AFTER you've paid it. A tax lien stays on your reports 7 years from date PAID. UNPAID, it can stay on indefinitely.

Judgments range from 7-10 years (depending on the originating state's statute -- if the state allows a renewal, the item will come back after it's dropped off) -- and unless the suit is renewed, it falls off regardless of whether it's been paid or not.

But honestly, I'll bet you oodles that what you have is a tax lien.

[Anonymous]

You are right, it is "Tax Lien". I paid it but I don't see that it's paid anywhere. Everything says "Not reported". Thanks for the reply.

[Anonymous]

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@Anonymous wrote:
You are right, it is "Tax Lien". I paid it but I don't see that it's paid anywhere. Everything says "Not reported". Thanks for the reply.

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Do you remember when you paid it?

Contact the taxing authority from your CRs and ask them to update the CRAs with the release date. Or better yet, you can attempt a GW for a complete removal. We did with Maryland and it (partially) worked for us!

[Anonymous]

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@Anonymous wrote:

I have a $5000.00 Judgement against an individual.  I don't have his SSN.  How do these things end up in an individuals credit file w/o a SSN.  How do the CB's police these records?  Also, I don't even know where the indivdual is.  How do CB's get this information to put on someones file?  The SSN is not on the public record.  Can I get the information into the file?

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You would be amazed what kind of information is available to companies. I work for a large insurance company and there are tools available in our industry that will pull just about every piece of data I would ever need on you just by having your phone number. It's pretty scary actually.

[Anonymous]

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@jmf2717 wrote:
I have a judgement on my CR. My question is, if you make arrangements to pay the debt or pay the debt in full before you go to court can they still put a judgement on your CR?

That depends. Technically, yes. Realistically, sometimes.

A court or judge hasn't ordered me to pay anything and my wages are not garnished so how can there be a judgement placed on my CR? 

The ONLY way a judgment can be placed on your CRs is for you to have been sued in court -- so if you have a judgment, a judge has, indeed, ordered you to pay the debt.

Were you served? I'd check with the originating court (you'll find that information on your CRs) and ask for a copy of the case file. In that information, you'll be able to see how the plaintiff served you.

Thanks in advance for any clarification!

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[Anonymous]

What is a GW to remove a judgement?

[MarineVietVet]

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@Anonymous wrote:

What is a GW to remove a judgement?

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Hello there.

Just in case you didn't notice this thread is almost 2 years but to answer your question GW stands for Good Will. It's what people send to creditors in an attempt to get negative items removed early from their credit reports.

Here is a full list of Abbreviations we use around here.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".