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Discussion in 'Credit Talk' started by geekpipe, Mar 7, 2001.
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A paid off judgement, collection , or charge off , to most creditors is just as bad as an unpaid. I think mortgages are the only exception.
bad stays bad until 7 years
Judgments can generally be vacated with the other party's consent, by filing a motion to vacate. The plaintiff may agree to it, hence making it a joint motion, or may not show up in court at all, if already satisfied.
Anyhow, if the judgment is vacated, you have a right to have it removed from your credit report.