How much will a judgment lower my credit score ?

Submitted by fletch on Fri, 06/20/2008 - 15:00

I did a short sale and had a first and 2nd mortage. The first is 1099 me the diff. The 2nd only got 3k out of 75k and is saying they MAY take 1/2 on a payment plan. Just wondering if I didn't pay, how bad it would be. I live in Flrida so thet can't touch my primary or my pay check. If the send to a collection agency they will only get about 20% so I was thinking to offer them 30% or nothing. Comments ?

Thats pretty cool. Can you purchase a program like this. My typing isn't bad I just get in a hurry and don't look back and proof read.

Fri, 09/05/2008 - 00:04 Permalink

it is really a good program for all ages to learn on

Sun, 09/07/2008 - 13:56 Permalink

I have seen these types of programs in the store. My kids are all older and have went through years of being in school on computers and we have always had one or two computers at home so they sre quite accustomed to the computer world. My oldest can type really fast and he nevr looks at the screen. When I think of all his attributes and how smart he is I just shake my head at the waste of his skills.

Sun, 09/07/2008 - 14:14 Permalink

You get to wonder sometimes, I see young people wasting their lives everyday, they get hooked on drugs or with the wrong crowd and it seems that you can not bring them back no matter how hard you try. Sometimes I wonder what this world will be like when their generation is in control, lord help us.

Mon, 09/22/2008 - 01:59 Permalink

That was just a topic of converstion my sister and I had. I believe when that happens we will all need help. A good part of todays young people have no inititve to work. It seems as though once drugs has moved into an area it swollws up all the youngsters around it and very few survive. Most remained hooked on drugs and with no employment history.
Sooner or later it will catch up with all of us and the economy too. When you get lots of unemployment and people not paying their part it has to effect us all sooner or later.

Wed, 09/24/2008 - 16:45 Permalink

oh I know believe me, four years have past already, just a few more to go. Just have to wait and deal with it.

Mon, 10/13/2008 - 01:58 Permalink

Thats just about right. Nothing you can do but work on building better credit until then.

Tue, 10/14/2008 - 21:47 Permalink

No one can determine exactly how much your credit score will drop because no two credit profiles are alike. Plus the credit scoring module is a very complex system and if someone where to figure this system out then everybody would have perfect credit scores. There is scientists behind the scoring module.

But no doubt you will get hit hard aon your credit scores but as time goes by and if you apply strong credit management skills, your credit scores will eventually begin to increase. I have a friend who has a BK that was filed 8 months ago and now has a 679 fico and sitll going up. There is a lot of strategies, tactics and techniques you may apply to get your scores back up after that big hit. I recommend ""

Thu, 10/16/2008 - 03:29 Permalink

Would it not be great if we did know the magic formula?? I agree, each individual and each situation is different.

Mon, 11/03/2008 - 16:24 Permalink
Anonymous (not verified)

FICO has its own credit scoring algorithm based on which it determines your credit score. This credit scoring depends on your credit history, the amounts owed, length of the credit history, new credit lines and types of credit used. However, exactly how much points is dedicated to each of them is not know perfectly. What is known to us is the weightage that FICO puts on these factors. For example, credit history or the repayment history which contributes 35% in your credit score has the maximum influence on the credit score.

Tue, 11/04/2008 - 08:37 Permalink

FICO has its own credit scoring algorithm based on which it determines your credit score. This credit scoring depends on your credit history, the amounts owed, length of the credit history, new credit lines and types of credit used. However, exactly how much points is dedicated to each of them is not know perfectly. What is known to us is the weightage that FICO puts on these factors. For example, credit history or the repayment history which contributes 35% in your credit score has the maximum influence on the credit score.

Tue, 11/04/2008 - 08:38 Permalink

Hmmm. wonder if we could finger it out? I really think there isn't to be honest. It really has to boil down to how faithful you are to keeping your credit in good shape. They give you a clean slate every 7 years. I know that seems like a really long time but think of how many time periods that actually is through out a lifetime and if ya can't get it straight at least a few of those times then I guess the person wouldn't really deserve credit. What are your thoughts on this?

Tue, 11/18/2008 - 23:31 Permalink

Probably true, long seven year wait, sure wish it was a shorter time period, especially if you have paid off your debt off and they are stilll lingering on your report well after the fact.

Sun, 11/23/2008 - 06:29 Permalink

That would be a really good idea. Say if you paid the debt off they could leave the listing on for two years and if you didn't they could leave it on for a little longer period. Imagine how many people we have posted wiht on this forum who is willing to pay their debt but doesn't becasue it is past SOL and wouldn't do them much good for their credit score anyway.

Sun, 11/23/2008 - 14:57 Permalink

I disagree with this phenomenon that to just wait for SOL.

If one is a businessman he will never put his credit on the verge of death.surely a true businessman will make sure that he pays some amount in order to have his goodwill in the eyes of the people.

It does make a sense when one want to build a empire and for years to come. :wink: :wink: :wink:

Sun, 05/17/2009 - 03:49 Permalink

IO understand where you aRE coming from Firang...honestly I do. Here is the thing. By the time a debt gets a year or so old it has been sold quite a few times. When people hit hard times it usually takes them a little while to rebound and get back on their feet. So in the menatime all these junk collectors are buying this debt and adding astronomical amounts to what was really owed. For example say I owed $500 when things went wrong. I rebounded and a year and a half later I go to pay the debt and it is now well over $2000. Thats like kicking someone when they were down.
The cc companies will sell off a debt for pennies on the dollar so why can they not do that to the person whom owes the debt? Helping both the company and the debtor resolve the situation?

Sun, 05/17/2009 - 14:33 Permalink

i was not having any intention to hijack any person's views rather i was just stating my thoughts. If you think you are not happy with the comment then I beg forgiveness.

:!: :!: :!:

Wed, 05/20/2009 - 08:45 Permalink
Jack (not verified)

There are literally hundreds of credit repair websites and a lot of them try to guarantee success but the reality is most of them are just a waste of money. They use methods of repairing your credit you can do yourself if you simply google credit repair templates. Their process is very lengthy and requires months and even years to get a lot of things removed and sometimes the bad marks can come back as some companies are very persistent, especially if you still owe them money.

The only guaranteed method to repair your credit is to pay off the old bills and get your derogatory balances to $0. "Well that isn't very helpful" is probably what you are saying. Since none of us just have cash laying around to do that there are other things you can do that are guaranteed to increase your FICO score practically overnight and start rebuilding your credit.

It's actually very simple. Sign up for Millennium Secured Credit Card and send them $300. Buy $90 worth of groceries on it and make the payments. Keep the balance under $90. Then sign up for and get a $10,000 unsecured credit card, buy something and make the payments. Do a google search for USA Shopping Club and sign up with them for $12,500 unsecured credit card buy something and make the payments, Eclub USA and get your $3,500 credit card and finally Horizon Gold and get your $500 credit card.

Once all of these companies report to the credit bureaus you are going to see an immediate increase in your FICO score. Guaranteed. Then you can work on getting the bad marks paid off and removed. It's much easier to get them permanently deleted if you don't owe them any more money.

Tue, 05/26/2009 - 17:55 Permalink
tonya6076 (not verified)

I paid a judgement and people told me it would not help me....that was not the truth. It did give me 4points on my credit score (but I had good credit with it) and the bank that gave me the 340,000 loan for my home purchase said that if the judgement was not paid they would have returned my loan request because the unpaid judgement would have shown how I don't make good on my debts! The bank would rather see a debt paid late then not paid at all. I am happy I done that, but I wish I had done it sooner.

Wed, 02/17/2010 - 22:25 Permalink
Aga (not verified)

What if I'm not able to pay the judgement, will it still clear it after 7 years?

Mon, 04/19/2010 - 20:49 Permalink

Hi Aga,

A judgment does fall off after 7 years. However, a judgment can be renewed any time before the 7 years, and this can be done for any number of times Thus, it's better to pay off the judgment amount. If you are unable to pay the judgment amount, you can try to negotiate a settlement with the creditor or collection agency.



Tue, 04/20/2010 - 08:29 Permalink

Hello to all. This is an extremely helpful website. I have a question. I have 2 judgements on my credit report. They were both placed on my credit report after I moved from the state where I originally stayed. One was from a Credit Union and the other one was from BellSouth. When I moved, all of my mail was forwarded to my new address. Also, I stayed in contact with the Credit Union and they were sending me information to my new address that I needed for other jobs. To make a long story short. In March of 2007, I received a Court Judgment from the Credit Union in favor of the Credit Union for $605 and then in April from them also in favor of Bellsouth for $543. I called the credit union and spoke with the financial offer and she explained to me that when I closed my account with them their was a check that was still pending on my account that had not cleared. I asked why they did not send me a notice or call me to my new address and she said they did not have it on file. Yet they were sending me all types of mail when I first moved. So, I told her that I would pay the account in full if they agreed to have the courts vacate the judgment. She said no that she didn't care if I paid it and she wasn't removing anything. My question is, is there anything I can do about this. I was never offered by either to come to court. I was never given the opportunity. They are the two most major things on showing on my credit report. Thanks in advance.

Sat, 05/01/2010 - 21:15 Permalink
sumeira (not verified)

i have a judgment from october 2003 FOR 5700. I have managed to live with my husbands credit score (760) but now we want to buy a house where we need both our salaries and credit histories. This judgment would have drop this december because it will be 7 yrs from the time it was passed if i ignored it for a few more mnths.
but we really need to buy this house - the only way i can get a loan with my husband is to satisfy this judgement. so i am considering negotiating and paying the minimum it will take to get a satisfied letter.
My question is if i do pay this judgment, would my other bad debts which are 10 plus yrs old and have dropped from my credit history become alive all over again. I dont want to open a can of worms, please help with any advice. Thanks

Tue, 05/18/2010 - 21:45 Permalink


Judgments can be renewed before it expires. So, if you haven't yet payed the judgment, you should try to pay it. As for the other debts, can you tell whether this judgment is related to your other debts? If not, paying the judgment won't start the Statute of Limitations on your other debts.



Thu, 05/27/2010 - 12:09 Permalink

Can you negotiate a PFD on a judgment? I ask because I have one on my credit from a early lease termination and the property manager told me that once I paid it that they would remove it from my credit. My other question is who removes judgments the court or creditor?

Sun, 07/25/2010 - 15:23 Permalink


No you can't PFD on a judgment. A judgment once entered will stay on your credit report for 7-10 years whether satisfied or unsatisfied.



Wed, 07/28/2010 - 09:59 Permalink
baby lap (not verified)

im trying to pay them off . i had barrowed money front freinds thank god they kind enuff but some how ,they didnt take my offer.i offer 3000 but tommorow i will offer 4500 . the balance they said was 12000 all enteres or whatever ther garbages

Fri, 09/03/2010 - 00:55 Permalink

Hi baby lap,

Do you have written proof of the borrowings? Which state you are in? If you have received any summons, you should answer to it.



Fri, 09/03/2010 - 10:02 Permalink
Shawn (not verified)

Some of these answers are suspect. This is how it all works. Once a judgement or collection agent is placed on your account, it does affect you negatively; however you can begin to turn things around by paying the amount off. You still will not regain as many points as you would have had without it being listed, but remember a part of your credit score is composed of your debt/income ration. As long as it is listed as an open debt, it goes against it which continues to cause the negative impact. Quite honestly, creditors are not as much as considerd about whether you have a judgement or collection account, they just want to know that it is paid. As far as your SOL date, many of you seem to have a misconception of what that is. The statue of limitations referres to how long a creditor has to persue you for the money. By persue, I mean the ability to go after a judgement against you. once that sol date has passed, the creditors only recourse to collecting the account is convincing you to pay it, but again you still should pay it, because it being an open account affects your debt to income ration. The SOL date varies by the states, and is determined by the state YOU reside in, meaning if the creditor is located in Texas, and you reside in Virginia, you will need to go back VA SOL dates. The SOL dates will vary based on what time of account. So there is a different SOL date for a contractual agreement versus like a medical bill and this too varies by state. NOw what you also need to consider is the SOL start is based on last time you made a payment. For example, if you have a bill that was placed on your credit report on Oct 2000, your last payment was made in April of 2007, your sol dates is from april 2007 until the however many years according to your state it will expire. So lets say the expiration for this example is 2 years. The creditor would have up to apirl of 2009 to persue you in court, even if the 7 years of being able to report it as delinquent expires in Oct 2007 from being reported in Oct 2000. Get it? Now by no means in any scenerio does it mean that you do not have to pay it becauase if you go to obtain a mortgage, they typical can go back up to 10 years and require that the account gets paid out before you are extended a loan no matter if both SOL and your Report times have expired.

When the question of whether or not to remove something from your credit report is a good idea, the answere there is whether negative or not, you may want it to stay. Another part of your score is the length of time you have had an account. For example, using the same scenerio above, you decide to pay the account out. It shows as a judgment/collection account from 2000 paid in 2006, and your next bill (judgement/collection account) starts in 2005. Should you choose to have the older judgement removed, that will change your history to begin with the 2005 bill. Which means you lose the 5 years to show your length and will ulitmately lower your score and possible increase your debt to income ratio. Your 2000 bill showing you paid off 10k, and your 2005 show you owe 6k, but you only make 12k a year, that is a debt/income ratio of 50% which is bad. The paid account does not affect the ratio any more but does give you the added years of accountiblity. So there a number of factors that make up your score and making the right decisions depend alot on your individual situations. I will say it is better to pay your accounts oldest to newest and do whatever you can to keep any recent delinquencies from getting adding to your report all together.

I have been a collection agent for over 7 years and willing to assist others to repairing credit. If you have any further questions, you can email

Fri, 06/17/2011 - 18:02 Permalink

You're a collection you mean a CA? Please tell me how you help people wit repairing their credit. I see you have a 'personal' hotmail account. However, I DON'T see a professional account for you. Can you please explain furthur?

Tue, 06/21/2011 - 02:28 Permalink
Dash (not verified)

i have 2 judgments on my credit report. One of them is Bellsouth in which i just paid in full. After doing that, i contacted bellsouth to see how the judgment or "not satisfied" could be removed from my report and they just kept transfering me to different CS Reps! i also called the circuit courts where the judgment was filed and they said they have to have an order from Bellsouth in order to notate the courts system that the debt has been satisfied. what do i do or who should i call to get this resolved?

Tue, 02/21/2012 - 22:41 Permalink
pilar2007 (not verified)

My civil judgment was wrongfully placed on my report in error. I got the ticket docket proving this and also the satisfaction of judgment. So from previous posts this should increase my score back to 50-100 points once this is removed?

Sun, 05/20/2012 - 16:24 Permalink
Danyeller (not verified)

My husband had a judgement that we paid off about 4 months ago. Right after we paid it, his credit score jumped up about 50 points. But then it dropped again. I had spoken to a mortgage broker and I thought she said that paying off a judgement would drop your score and then it would get better. Is this correct? He doesn't have any other bad marks on his credit report.

Tue, 06/12/2012 - 13:50 Permalink
pegasaus (not verified)

I have 4 judgements on my credit report, one is a credit card the others are medical bills. I have had the CC one on for almost 10 years will it ever be off or should I file bankruptcy since I am on disability and have no way to pay them off. My credit score is 544 which is bad so how much worse would it be if I filed bankruptcy.

Tue, 08/28/2012 - 20:46 Permalink
sierra (not verified)

I recently received judgment papers in the mail and wanted to know if they could garnish my wages and if so how long after the judgement would this happen? I also would like to know if I am thinking about filing chapter 7 or 13 does it matter that some of my creditor's have already written the debt of and have not been calling trying to collect any money. Should I just leave things the way they are with my credit/judgements? How much worse could things become for me if I don't do anything. Will the bad Debt write off's go away after 7 years or so? I don't want the courts to start garnishing my wages. Will I receive something in the mail before this happens to give me a heads up? I'm really not sure what I should do at this point file for bankruphy or do nothing?

Wed, 03/13/2013 - 04:43 Permalink
Efren (not verified)

Unfortunately for you, BD does know what she is talking about, and most lilkey, it will remain on your report. I concur with her. If you have an attorney who handled your bankruptcy, why didn't you run this query past him. I mean you did pay him to handle the paperwork right? Your lawyer cannot *cancel* something reported to the credit bureaus. You would have to dispute it.

Fri, 04/12/2013 - 06:22 Permalink
living4him96 (not verified)

My husband and I have a judgment placed on us for a vehicle. This vehicle has not been driven for some time as we couldn't make the payments and has been in "hiding". Now he is getting his wages garnished, even though we made a note to the company that we would start making payments again. My question is this - can we now take the vehicle out of hiding and start driving it while making the mandatory wage garnishment? Or will they try to take the vehicle and still garnish our wages?

Thu, 07/17/2014 - 17:25 Permalink

Adverse public records, which include judgments, tax liens and bankruptcies, are considered when calculating your credit score. The dollar amount of a judgment makes no difference and the mere presence of a judgment can cause your score to drop up to 150 points when they are first reported. There is no exact formula for determining how much your credit score will drop. Each credit reporting agency is different and each individual credit report is different. Payment history is 35 percent of your overall score; utilization makes up 30 percent; established history effects 15 percent, inquiries and credit mix are 10 percent each. Judgments would fall into the important category of payment history.

Fri, 07/25/2014 - 09:34 Permalink

Having a judgment on your credit report is right up there with loan defaults and repossessions as one of the biggest negative hits to your credit score. The two worse items to affect your score is a foreclosure and a bankruptcy. So you can see why removing a judgment from your report is a pretty big deal when it comes to increasing your credit score. But, erasing a judgment is not that easy and it will take a bit of effort on your part. That is not to say it is impossible, but, just be forewarned it is not as easy as removing a credit inquiry or a late payment from your credit history.

Mon, 07/28/2014 - 05:53 Permalink
crorkz matz (not verified)

4YHPvN Really appreciate you sharing this post.Much thanks again. Much obliged.

Tue, 08/05/2014 - 07:09 Permalink
Bubby123 (not verified)

I have a judgement lien against me at my local court house and I called to find out the balance and whether or not I might settle. The collection agency said that a 1099-C had been turned into the IRS in 2012 and that it had been written off. They told me that I could pay it if I wanted to but that it was no longer necessary. If I sell this piece of property will the bank make me pay this debt even though it has been written off already? I live in Virginia.

Thu, 10/09/2014 - 19:27 Permalink
Aponte jessica (not verified)

I play around with my credit all the time. Last run in the Markets for me hit me hard, and I borrowed where I shouldn't have been borrowing for that type of capital. which affected my credit. I was referred by a friend to contact for fast credit service and help came thanks to him my credit score was improved to excellent grade.

Thu, 03/29/2018 - 13:09 Permalink
cryptech (not verified)

You can contact or text (917) 546-9788 for the following services: University grades changing Facebook hack,Email interception hack,Email accounts hack,Grade,Changes hack,Website crashed hack,Word Press Blogs hack,Retrieval of lost file/documents, Erase criminal records hack,Databases hack,Sales of Dumps cards of all kinds,Untraceable Ip,Bank accounts hack,Individual computers hack,Websites hack, Control devices remotely hack,Burner Numbers hack,Verified Paypal Accounts hack

Thu, 03/29/2018 - 19:13 Permalink
AllisonN.Fisher (not verified)

Hello everyone, I have been battling with my credit score because it was very low until a friend of mine introduced me to a best hacker named COMPUTERSPYEXPERTS he helped increase my credit score from 550 to 800. I was really surprised that he helped me do it within 72 hours, even though I doubted him at first because he told me to pay the service fee before any action can take place after I paid 500 upfront payment. Then you pay the rest after he finishes the job. Contact him (COMPUTERSPYEXPERTS @ GMAIL . COM) He's the best and really affordable. also Text (8 5 9) 780-3779

Fri, 10/05/2018 - 06:39 Permalink