How long does a collection agency have to report judgement to the credit bureaus?

A judgement was issued against me over 4 years ago. This judgement has never been reported on my credit report. However, I’m now getting calls from a different collection agency that didn’t win the judgement against me. I’ve just been pre-qualified to buy my own home and I’m scared that that judgement could show up at any time, especially right before I actually get my loan.

Asked on September 23, 2012 under Bankruptcy Law, Arizona

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

Under the laws of all states in this country a judgment against a person is initially good for ten (10) years subject to a renewal within this time period. As such, a judgment creditor seemingly would have ten (10) years to report a judgment he or she has against a judgment debtor in this time period to a collection agency.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.