With recent changes to credit reporting, civil judgments no longer appear on credit reports. This change means civil judgments have no effect on your credit score.
Previously, civil judgments remained on credit reports for seven years and likely damaged your credit score like many other negative marks on your credit report.
The three main credit bureaus — Equifax, Experian and TransUnion — started excluding new records of tax liens and civil judgments from credit reports in 2017.
The shift in reporting was a win-win for consumer advocates and the bureaus.
Consumer advocates have said these public records were not accurate and not properly updated, which led consumers to file complaints against the bureaus. Meanwhile, the credit reporting agencies found these marks were no longer reliable indicators of credit risk, according to Rod Griffin, director of public education at Experian.