How long does it take for a judgment to be removed from my credit report?
Answers:
I have always been told 7 years, but it took 10 years for a friend of mine.
I always heard any bad judgement would follow you for 7 yrs. But that means 7 yrs. from the time it is reported to the credit agency, not 7 yrs. from the judgement. Hope this helps!!
7 years.
Judgments remain on your credit for 7-years.
They--whoever they is--Never remove a judgement from your credit report---it is just marked PAID. LENDERS WANT TO KNOW HOW YOU PAY YOUR BILLS or wether you pay them at all. You messed up and now live with your immaturity. I would not mess up any more. Planning on getting married. run a credit report see what it looks like. Your accidents and her finances totally messed up will keep you from buying a home. Unless it is a cash deal.
7 years. All you can do is pay it off and wait.
7 years is an old wives tale. A judgment will stay on your credit report until it is removed from the company placing the judgment against you.
In some cases you can plead with the company for them to remove it from your credit IF you pay them in full. Debt collectors rarely want to work with you because they have a certain mentality that they deal with deadbeats all the time and you are one of them. If you luck out, you might come across a collector with a heart and that will work with you. BEFORE you ever send them any money though, get whatever deal they are going to do with you in writing first! Just because they say they will take it off your credit, doesn't necessarily mean they will do it once you pay them.
Credit agencies stores information from credit grantors and public records, including bankruptcies, judgments and liens. Missed payments and most public record items remain on the credit report for seven years, with the exception of Chapter 7, 11 and 12 bankruptcies, which remain for 10 years, and unpaid tax liens, which remain for up to 15 years.
Active positive information may remain on the report indefinitely.
Requests for your credit history remain on the credit report for up to two years.
Mexifelio, I suggest you do your research before posting answers...otherwise people like me come on and make you look awfull foolish.
OK class, lets all open our books again to the Fair Credit Reporting Act Section 605..(see below).
Note that this time period begins on the date the judgment is issued...NOT the date the Credit Bureau received it.
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