A judgment remains on a credit report for seven years starting from the date the judgment was filed. Some other types of adverse public records can remain on a credit report for up to 10 years, but the effect of these negative marks diminishes as time passes.
A judgment is an award given in a small claims court when a judge rules against a debtor. The judgment is a matter of public record. Other types of adverse public records that affect a consumer's credit report include tax liens and bankruptcies. Even if the amount owed is ultimately paid by the consumer, the record remains.Learn More
Unpaid debts can stay on a credit report for up to seven years after the account becomes delinquent, according to myFiCO. Late payments, foreclosures, completed Chapter 13 bankruptcies and collections may all stay on a credit report for up to seven years.Full Answer >
It's possible to check driving records by going to a local Department of Motor Vehicles office, a state's Department of Motor Vehicles or Department of Public Safety website, or by contacting the state's licensing department. For example, drivers in Washington state can visit Washington State's Department of Licensing website, while drivers in Ohio can check Ohio's Bureau of Motor Vehicles website.Full Answer >
Whether a driving record transfers from one state to another depends upon the new state's laws. Even if the driving record is not required to be transferred by the new state, the old record remains available.Full Answer >
To check your driving record for free, contact the insurance agent listed on your auto insurance identification card and ask for a free copy of your record. Alternatively, your local DMV will provide a certified version for a small fee.Full Answer >