Many of us have found judgments on our credit reports. A creditor files suit for payment and the courts place a judgment in order to enforce payment. A judgment may or may not be valid, but having it show up on your credit report can still cause you significant problems if you don’t deal with it. A credit account judgment can lower your FICO Score and stay on your credit report for up to seven years. The last few years due to technology, for the most part, judgments can and are removed from tens of thousands of reports every year
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