Daniel Rosen explains that court judgments don't show on credit reports right now, but only because the three major bureaus chose to remove them in 2015. This voluntary policy could change, so you should know how to get a judgment off your report if it comes back.
This should never be on your credit report. According to the three major credit bureaus, court judgments don't appear on credit reports, and they don't affect credit scores. But the bureau's policy of not including court judgments is just that, a policy. It's not law. It could change at any time. Until a few years ago, inaccurate and inconsistent record keeping between courthouses led to countless disputes. In 2015, the credit bureaus and a lot of state attorney generals created a plan to improve the accuracy of public record debt collection and reporting. Under this plan, the judgments disappeared from credit reports and the bureau stopped dealing with so many disputes. The only catch is this policy isn't protected by law. The bureaus can bring the judgments back at any time, so we have to be ready to remove them.
