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You put this on my Credit Report?

Q: The judgment enforcer put this on my credit report! What gives them that right?

violin player A: This is standard result of judgment enforcement actions. judgment enforcers usually gave you 30 days to pay them, or simply contact them by mail, email, fax, or phone. You ignored their notices to you, and their invitation for you to discuss this judgment.

As your creditor - it is legal and expected of a judgment enforcer - to take enforcement-related actions to both seize your assets - and preserve their rights - which (usually because of recorded liens) cause the credit reporting agencies to notice this judgment against you.

Of course if you pay the amount you owe in full - the judgment enforcer will satisfy the judgment and possibly take other positive actions - so you can report this debt as paid in full, which may help your credit report.


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