How to Remove a Paid Judgement From Your Credit Report

How to Remove a Paid Judgement From Your Credit Report

Having a paid judgement listed on your credit report can have a negative impact on your credit score and financial standing. Judgements occur when a court orders you to pay a debt, typically due to a lawsuit filed against you by a creditor. However, there are steps you can take to remove a paid judgement from your credit report and improve your creditworthiness.

1. Obtain proof of payment: Start by gathering all documents related to the judgement, including proof of payment. This could be a receipt, bank statement, or a letter from the creditor confirming payment. Having this evidence will be crucial when disputing the judgement.

2. Review your credit report: Obtain a copy of your credit report from the major credit bureaus – Equifax, Experian, and TransUnion. Carefully review the report to ensure the judgement is accurately listed as paid. If there are any errors or discrepancies, you can dispute them with the credit bureaus.

3. File a dispute: Write a letter to the credit bureaus explaining that the judgement has been paid and provide supporting documentation. Request that they investigate and remove the judgement from your credit report. Be sure to send the letter via certified mail and keep a copy for your records.

4. Follow up: Give the credit bureaus some time to investigate your dispute. They are required to respond within 30 days. If the judgement is not removed, follow up with them to inquire about the progress and provide any additional information they may require.

5. Consult an attorney: If your dispute is unsuccessful, it may be wise to consult an attorney who specializes in credit repair. They can provide guidance on legal options available to help you remove the judgement from your credit report.

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6. Build positive credit history: While you work on removing the judgement, focus on building positive credit history. Timely payments, responsible credit utilization, and maintaining low credit card balances will all contribute to improving your credit score over time.

7. Be patient: Removing a paid judgement from your credit report may take time and persistence. Stay patient and continue monitoring your credit report to ensure the judgement is eventually removed.


1. How long does a paid judgement stay on my credit report?
A paid judgement can remain on your credit report for up to seven years from the date it was filed.

2. Will paying off a judgement improve my credit score?
Paying off a judgement shows responsibility and may have a positive impact on your credit score, but the judgement itself can still remain on your report.

3. Can I negotiate with the creditor to remove the judgement?
It is possible to negotiate with the creditor to have the judgement removed, but it’s not guaranteed. It’s worth discussing the possibility with them.

4. Can I remove a judgement if it’s not paid off?
Removing a judgement that is not paid off can be challenging. It’s generally easier to negotiate with the creditor and pay off the debt before attempting to remove it from your credit report.

5. Can I remove a judgement through bankruptcy?
Filing for bankruptcy may discharge certain debts, including a judgement. Consult with a bankruptcy attorney to understand if this is a viable option for you.

6. Will a paid judgement affect my ability to get credit in the future?
While a paid judgement may still be visible on your credit report, lenders may consider it less significant compared to an unpaid judgement. However, it may still impact their decision to extend credit to you.

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7. Can I hire a credit repair company to remove the judgement?
Credit repair companies may offer assistance in removing a paid judgement, but it’s important to research their reputation and understand their fees before engaging their services.