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Can you post a screenshot of the reporting?
This forum doesn't seem to let me insert a picture, but the entry looks like this:
CAPITAL ONE BANK USA NA
Court name Capital One Bank USA NA
Docket number *********1234
Record type Settlement Accepted
Month filed April 2014
Balance $0.00
It does not appear to be a showing of a judgment, it appears to only be a special comment reported by the creditor that the debt was settled for less than the full amount.
It is a special comment, and does not directly affect scoring as a judgment.
A judgment is the showing in your report that a court reached a decision (judgment) that a debt was valid, and ordered the defendant to pay.
The reporting is not of the public recordation of a court judgment.
I would suggest, in order to determine whether the credit report is a result of public record information or a special comment posted by the creditor, that you order a more complete and thorough credit report from annualcreditreport.com.
I would be curious to see, removing any formatting issues that might have occured by the vendor of the credit report, how the raw credit report available thru the government-sanctioned site, shows the report.