Well, this is interesting, we pulled her qspace credit report today, The judgement was filed August 1999 and paid May 2000. She has two 30 day lates from about 5 years ago. She has 7 open accounts in good standing, and 17 total accounts in her file. 5 revolving, 2 installment. Maybe we could use this as a guideline. Her score is a whopping 747. And she was afraid to pull her report? I don't think that recent paid judgement had much bearing. What do you think?