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Judgement Credit Reporting
Question: My wife has a C.C.J. against her.I believe this goes on her record for 6 years, but does this 'black mark' only apply to her or does it apply to other members of the same household,or family? Thank you.
Answer: Generally speaking, a judgment should only appear on the credit report of the person who is legally liable for the debt and whose name is listed on the judgment asthe judgment-debtor.
In your case, if your wife is the only person whose name is listed on the judgment, the judgment should only appear on her credit report. It should have no effect on your credit history, or that of any other member of your household. In addition,
the credit reporting agencies obtain information about judgments and other public records from court documents and county records, so the judgment should only appear on your wife?s credit report, assuming only her name is listed on the judgment.
You can review
quite a bit of credit reporting information at: www.bills.com/credit-solutions
I hope this information helps you Find. Learn. Save.
Best,
Bill
www.bills.com
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1. Posted by Alisha on Friday 7th December 2007 19:22
Question: I had some guy complete pavement work on my driveway and he did a horrible job! I refused to pay until he corrected the issues, which he refused to do! He has now sued me and won! Will this now go on my credit report even if I either appeal the rediculous decision OR pay it off?!
2. Posted by braydens on Saturday 8th December 2007 07:34
It depends if the contractor reports to the credit reporting agencies (which is unlikely) and also if the courthouse reports judgments to the court-house. If it is indeed inaccurate (or you appeal and win) you can always contest inaccurate listings on your credit report or get a credit repair group to do this for you.