Paid Judgment Appearing Unpaid on Your Credit Report: How to Fix It
This happens to a lot of people and sometimes it is actually their own fault because they didn't know what to do with the paper work.
When you pay off a judgment, what should happen is this: the lawyer handling the judgment should file a satisfaction of judgment with the court house that handled the case.
If the lawyer did that, your judgment would get updated in time automatically to appear as satisfied on your credit report.
If the attorney failed to do this, then nothing will happen.
And after all, what do they care to take their time to file this form after you already paid the judgment.
Most of them file it, but a fair portion of them don't and that leaves you trying to figure out the steps to take to get this updated on your credit report.
I'm going to give you the steps right here.
- Look on your credit report and find out what court handled this judgment if you don't already know.
- Call the court house and talk to the clerk as they will be able to tell you which attorney handled the judgment.
- Call the attorney's office and tell them your problem: i.
e.
you paid the judgment, but it does not appear as paid on your credit report. - They should tell you that they will prepare the necessary document to get this taken care of.
If you paid it, they will have record of this. - At this point, they may only prepare the document but not file it.
If they will not file it, you will have to take the document to the court house that handled the judgment and file the document.
You might be able to do this via the mail, but going there in person is better because you can get proof the judgment is satisfied when you are there.
Set aside a good amount of time to do this and call the court house in advance to find out exactly what to do and where to go.
If you don't, your credit report will not change.
If you are undertaking self credit repair, you are going to have to do this.
Even if you hire a credit repair company, you will probably still have to handle this on your own.
An outstanding judgment is a big deal if you are trying to get a mortgage.
Most mortgage companies will not deal with you if you have an unpaid judgment on your credit report even if you can prove you paid it.
You will still have to get this corrected on your credit report.
What I outlined above always worked for my customers.
It wasn't something I could do for them because typically the attorney would only deal with the person who actually had the judgment.
So you need to understand that this is something you are going to have to take care of on your own.
If you follow the steps, it really is pretty simple and I never ran into a law office that made a big deal out of this.
Most were glad to help.