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


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.

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