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what is a release of judgment?


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Most states have some procedure for a creditor to acknowledge, in writing, that a judgment has been paid. Most states call this an "acknowledgment of satisfaction of judgment" or something similar. Perhaps it is called a release in your state.

Either way, the CRAs generally refuse to remove all reporting about the debt even after it is satisfied. Usually, you can convince them to change the reporting to "judgment satisfied" or something of that nature. I suspect that such a change will not substantially increase your score since it still signifies that you did not pay a debt, the creditor had to sue, and the creditor prevailed.

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