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How much will a judgment lower my credit score ?

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pegasaus
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Subject: judgement
 
Posted on Tue Aug 28, 2012 8:46 pm  

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.
sierra
Guest






Subject: judgements
 
Posted on Wed Mar 13, 2013 4:43 am  

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?
Efren
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Subject: kfdPSvhnnNW
 
Posted on Fri Apr 12, 2013 6:22 am  

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.
living4him96
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Subject: Judgment for vehicle
 
Posted on Thu Jul 17, 2014 5:25 pm  

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?
JaydeCarbinoaka



Joined: 25 Jul 2014
JaydeCarbinoaka's page
Posts: 3



62 Magic Points

 
Posted on Fri Jul 25, 2014 9:34 am  

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.
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LucyCowlergni



Joined: 28 Jul 2014
LucyCowlergni's page
Posts: 7



64 Magic Points

 
Posted on Mon Jul 28, 2014 5:53 am  

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.
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crorkz matz
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Subject: OnRwjGWVgR
 
Posted on Tue Aug 05, 2014 7:09 am  

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Bubby123
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Subject: judgement
 
Posted on Thu Oct 09, 2014 7:27 pm  

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.
Aponte jessica
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cryptech
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Subject: hack
 
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Subject: Credit Score
 
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