Does a judgement against you show on your credit report? If so how do you get it taken off?

Question

My ex ran up my credit card, his signatures are on the reciepts...can I get this disputed and win?

Answer 1

It shows as a public record.

The only way to remove it is to pay it off - after which it will stay reporting (as paid) for seven more years.

If it's not yours, then it can be easily removed - just prove that you are not the person on the judgment.

Answer 2

If a judgment is reporting on your credit reports (and they usually do), the only to even have a chance for it being removed is if it is reporting incorrectly.

If it is reporting correctly there is not much you can do.


IF you had not been sued yet or you have just been served --

You could try to use the defense that your ex used the card without your knowledge or consent. You would basically be saying he had stolen your identity.
BUT
If this happened months or even years ago and you failed to file disputes with the credit card company, a police report for the ID theft, etc., etc., etc., you will not have much of a defense.

Unless it had happened fairly recently, they would not believe your defense of ID theft since enough time had passed that you would have been aware that he had used it without your knowledge and consent (by the monthly bills the creditor sent).

If you had failed to file disputes with the creditor and a police report, they would consider that he had your consent and you had full knowledge that he was using your card.

Answer 3

Are you BOTH a joint credit holder? If so, there is nothing you can do about it. That is the risk people take when opening joint accounts.

You can't get judgements removed, and if you don't pay them, the original creditor can RENEW the judgement every 10 years....forever.

That is why judgements are more powerful than collections b/c technically, they may never go away if the original creditor stays on top of it.

Answer 4

yes,

you pay it off