Understanding and addressing judgments on your credit
Written by Robert J Wilkins IV
Judgments and Credit Reports
While civil judgments are no longer reported on credit reports (as of 2017), lenders and collectors can still access court records. It's important to address outstanding judgments.
Handling Judgments
Even though judgments don't appear on credit reports, they can still affect your finances.
Satisfy or settle the judgment if possible
Request the court vacate an improper judgment
Negotiate payment arrangements
Ensure the judgment doesn't appear on your credit report
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Consumers are protected by several federal laws when dealing with credit reporting issues related to how to remove judgments from your credit report:
Fair Credit Reporting Act (FCRA) — 15 U.S.C. §1681: Requires credit bureaus to maintain accurate information and investigate disputes within 30 days. Consumers can dispute inaccurate items directly with bureaus or furnishers.
Fair Debt Collection Practices Act (FDCPA) — 15 U.S.C. §1692: Prohibits abusive, deceptive, and unfair debt collection practices. Collectors must validate debts upon request.
Credit Repair Organizations Act (CROA) — 15 U.S.C. §1679: Regulates credit repair companies and protects consumers from deceptive practices.
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Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026
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