How to Find Out if a Creditor Filed a Judgment Against You
- 1). Pull a copy of your credit report from TransUnion, Experian or Equifax. Any judgments against you will appear in the "Public Information" section of your credit report. You can request a free copy of your credit report online from each credit bureau by visiting the AnnualCreditReport website, which is the only one approved by the Federal Trade Commission to provide consumers with free annual credit reports. You can also access your reports by signing up for monitoring with any of the three major credit bureaus.
- 2). Visit the PACER website and create an account. PACER is the government's Public Access to Court Electronic Records database and provides you with immediate access to court records nationwide. Not all courts upload their records to PACER. However, if your court participates in the program, you can access information about any cases filed against you by searching national records using your name or searching your local court district's online database through the PACER system.
- 3). Visit your county courthouse's court records department. Inform the clerk at the counter that you are trying to find out if there are any current judgments against you. The clerk will then access the information by computer and can provide you with copies of any documents noting the existence of a judgment.