Public Records on Your Credit Report Judgment – If you’ve ever been involved in a lawsuit that went to trial then you are probably familiar with the term ‘judgment.”  A judgment is a formal decision made by a court following a lawsuit. In the world of credit, it’s not uncommon for creditors or debt collectors to sue debtors for nonpayment of their debts and obtain judgments.

About Judgment

Judgments are considered public records, which means anyone has access to view those court filings. Credit reporting agencies commonly obtain judgment records from courthouses and place them on consumer credit reports. These judgments are allowed to remain on consumer credit files for seven years from the filing date.

How to Remove Judgments

Unlike most credit report entries, judgments can be successfully removed well before seven years has passed, but it’s going to take some work and luck on your part.  Here’s the lowdown on judgments, their status and how best to get them removed from your credit reports.

Hire ORM Expert to Remove Judgments: Email: reports@ppcchamp.com, : ppc.champ

What is a public record?

“Public records” refer to county, state or federal materials that are typically viewable by the public. Examples of public record information that are often included on credit reports are bankruptcies, civil judgments, tax liens, foreclosures and wage garnishments. Continue reading →