How do you report your judgment to the credit reporting agencies?

Answer 1

Only credit grantors and courts report to the credit reporting agencies.

With all due respect to Andrea: There isn't a court in the country that reports to the credit bureaaus.

Courts maintain public records of all types, like births, deaths, marriages, arrests and convictions, and records that pertain to financial matters. These are judgments, bankruptcies, foreclosures and tax liens. Independent contractors visit local court houses and scan those public records into a computer. The records are then sold to data clearing houses (LexisNexis being one of those). The data clearing house then sells the records to the credit bureaus.

If your question pertains to a judgment in which you were the defendant, then this is something that would adversely affect your credit. Why would you want to report it? If you are referring to a judgment that you were granted against someone else, you can be confindent that it will get picked up and reported to the credit bureaus without your intervention. If your question pertains to a satisfaction of judgment (the disposition of this type of legal action), then have the satisfaction recorded at the same court house where the action was filed. You can also send a copy of the satisfaction to the bureaus with a letter of dispute. This will begin an investigation that should result in the disposition being reflected on your credit.