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How Long Does a Judgment Stay on Your Credit Report?

Judgments are no longer noted on credit reports. They previously remained for seven years.
Jan. 9, 2020
Credit Score, Personal Finance
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Judgments used to stay on your credit reports for seven years, likely damaging your credit.

However, civil judgments no longer appear on credit reports, so they have no effect on your credit score — unlike many other negative marks on your credit.

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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 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.

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