beeboah

Will a Judgment ALWAYS show up on a credit report?

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I ask this because I was able to remove a tradeline from a creditor from all 3 reports.

At a later time, they came back and sued me. I don't know if they are going to get their judgment (beyond the scope of this post really) but if they do, I was wondering if it will appear with certainty?

Would it also be less likely to appear if the original tradeline was removed from the credit report? After all the FCRA states that CRA's must take steps to ensure that the tradeline never appears again once it has been removed on a credit report. Not sure if this is the same thing, but it seems to me that I could argue with the CRA's since they removed the tradeline pre-judgment.

Thanks

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A TL and a Judgment are completely different things even when they both originate from the same account.

Having a TL shielded from view (if you think it's GONE, read the exemptions listed in FCRA 1681c, Subsection 605) has no bearing on the reporting of PUBLIC RECORDS. Being PUBLIC, a judgment can be viewed at your local courthouse, scanned and sold to secondary databases and re-sold to the CRA's. PR's are easily verified through these multiple sources. Your arguments would prove futile against them.

PR's also have their own Reporting Period, which begins at the "date of entry" and a separate SOL (period of validity) according to state law. They attach to any real property you own or purchase during this time and may cloud title. Consumers find it difficult to finance ANYTHING with a valid PR showing on their CR.

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