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Originally Posted by enik20new How long will it stay on my credit? | A NY court judgment is valid for 20 years. According to the FCRA (Fair Credit Reporting Act) a judgment can remain on your credit report for: § 605. Requirements relating to information contained in consumer reports [15 U.S.C. §1681c]
(a) Information excluded from consumer reports. Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information:
(2) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period."
Based on the above, it is possible for this to remain on your credit history for up to TWENTY-SEVEN years (if the judgment creditor updates just prior to the judgment expiring)!!! Quote: |
Will it help my credit history if I pay it off?
| A 'paid in full' will always be better than an unpaid debt.
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There are at least 17 lawsuits (!!) pending in various courts, including the US Supreme Court, asking if Obama is a natural born citizen (as req'd by Art II, Sec 1 of the US Constitution).
Why has he spent over $1.35M in legal fees to block disclosure... rather than spend $12 for a VALID birth cert to settle the matter? The 'certificate' he has presented doesn't qualify to get a drivers license, wouldn't allow a child to qualify for Little League, or for a real citizen to get a US passport!
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11-28-2005, 11:05 AM
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