I have a judgement listed on my credit report, but collection agency was removed?

Question

I have a judgement listed under the judgement section of my credit report which I want to pay off. I noticed that they removed the collection agency's information under the "accounts in collections" on my credit report, but the judgement still shows. Why did they remove their name from the collection section? This is a newer judgement. I've had a judgement in the past that lists as a judgement and in collections. Does that mean they've stopped trying to collect the debt? I didn't think collections items get removed for 7 years if they are unpaid? It has not been that long. What is my next step? Contact them and try to pay the judgement even if it doesn't show as "in collections"?

Anonymous · Accepted Answer

If that collection agency is no longer handling the account, they removed it. If they give it to a new collection agency, they'll probably add  their name on the report

bdancer222 · Answer

Defaulted accounts age off your credit report 7-1/2 years from the date of first deficiency (default).  That is probably why the actual account no longer shows on your credit report.

Judgments show up in the public records section.  They age off your credit report based on the date of the judgment -- 7 years or your state's statutory max, which ever is longer.

Just because something no longer shows on your credit report does not mean it can no longer be collected.  It just means it no longer impacts your credit history or score.  You still owe .... in fact, the judgment is  court order that you owe and it can be used to garnish wages, attach bank accounts, and lien personal property.

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I have a judgement listed on my credit report, but collection agency was removed?

2 Answers