3d • Q&A Credit Repair
How to Remove Judgments from Your Credit Report
Judgments Can Be Removed — Here’s How (Even If You Owe It)
You might think court judgments are permanent…
But here’s the truth:
🧠 You can remove a judgment from your credit report — even if you lost the case.
❌ And as of 2026, most judgments aren’t supposed to report at all.
Let me walk you through how to remove them the smart way 👇
⚠️ What Is a Judgment?
A civil judgment happens when a creditor or debt collector sues you in court — and wins.
The result is a judgment, often leading to:
Wage garnishment
Bank levies
Property liens (in some states)
But when it comes to your credit report, it’s a little different…
🔍 Judgments Were Removed From Most Credit Reports in 2017–2018
Due to the National Consumer Assistance Plan, the bureaus agreed to stop reporting:
Civil judgments
Most tax liens
Public records not verified with 3+ matching identifiers (name, DOB, SSN)
🧠 This means many judgments shouldn’t be reporting at all — and if they are, they may be removable by dispute.
✅ When You Can Remove a Judgment:
You can challenge it if:
✔️ It’s not matching at least 3 identifiers (name, DOB, address, SSN)
✔️ It’s reporting after the 7-year window
✔️ It was dismissed, vacated, or satisfied, but still reports as active
✔️ It doesn’t match your court records
✔️ The data is coming from third-party sources (LexisNexis, CoreLogic, etc.) — not the court
🛠️ Workflow to Remove a Judgment
STEP 1: Pull Your Report from All 3 Bureaus
Highlight any public record / judgment.
STEP 2: Check the Public Record Details
Get your court docket # and case status from your local court website or clerk.
Ask:
Was it dismissed or vacated?
Is it marked as “satisfied”?
Does the bureau match your court file?
STEP 3: Freeze LexisNexis, SageStream, CoreLogic
(See Post #12) — This cuts off the credit bureaus’ source of judgment data.
STEP 4: Dispute With the Credit Bureaus
🧾 Use the letter below to dispute any judgment that’s:
Outdated
Misreporting
Lacking verification
Reporting despite dismissal/vacation
✍️ Sample Judgment Dispute Letter (FCRA-Based)
[Your Name]
[Your Address]
[City, State ZIP Code]
[Phone Number]
[Date]
[Credit Bureau Name]
[Address]
Subject: Dispute of Civil Judgment Reporting – Request for Deletion
To Whom It May Concern:
I am writing to dispute the judgment listed on my credit report under case number [Insert Case #]. Upon review, I found the following issues:
- The court has confirmed that this judgment was [vacated/dismissed/satisfied] on [Date].
- I contacted the court directly and was informed that they do not furnish consumer data to any credit reporting agencies.
- The information being reported does not include proper verification as required by the National Consumer Assistance Plan.
Therefore, under the Fair Credit Reporting Act (FCRA), I request this item be deleted from my report due to inaccurate or unverifiable reporting.
Please complete your investigation within 30 days and send written confirmation.
Sincerely,
[Your Name]
[Last 4 of SSN]
[Date of Birth]
📌 Send this certified with tracking, and include:
Your ID
Proof of address
Any court docs showing dismissal or satisfaction
STEP 5: If Verified Without Proof → Escalate
File a CFPB complaint and attach:
Your original dispute
Screenshot of the judgment
Court confirmation that the data isn’t reported by them
💡 Pro Tip:
If your judgment was dismissed or vacated, send a copy of the official court order with your dispute — it’s one of the strongest ways to force deletion.
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How to Remove Judgments from Your Credit Report
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