If I have a court judgement against me thats 3 years old if I pay it when will it come off my credit report?
537086
It usually takes 7 years from the date of discrepancy.
431560
After 7 years the collections will fall off. Depending on how long it's been, determines if you should pay them back.  If it's already been 5 years, then leave it alone.  As soon as it falls off your credit report, your credit score will go back up again.  If you pay it now and it has been five years, your payment will make it current and then you will have to wait 7 years from your payment for it to fall off.  At any rate, your credit will slowly come back to life, but it does take time.  Responsible payments made and not being too close to or over your credit limit are major factors in determining a good credit score.
1154720
Write the creditors that haven't updated your report as yet.  They will be more than happy to see that you "did it" yipee! They will take a few weeks but keep checking.  They might even remove the report altogether but usually stay on for three years, some won't remove the report, even if paid off, for 10 years.  I even had one down in California (dept. store) that refused to remove my report, even paid off...ever.  I said what? They said we never will, you were bad.  Well, its gone now but that was years and years ago. Call the folks to be sure they process you as Pid In Full to each credit agency.  Its a lot of work, buy YOU did a lot of work to pay it off, now its their turn.
310774
The debt will show the status as paid on your credit report, but it will stay on the report as a former delinquent account for 7 years.
185128
check your credit report and dispute whatever you can on it.  if credit companies cant prove you owe this amount or if the report is past 7 years, then they have to remove it.  experian is the easiest to dispute online...i wiped out 13/24 debts from my report just by challenging them online within 6 weeks!!  it'll take some time and a bit of effort, but not as hard as i thought, and definately worth it!
400837
I don't know what planet shaybjones lives on, but that's not how it works around here.  \n\nTo answer your question, there are two time frames you need to be aware of.  For your credit report, the bad reports will stay on your credit history for 7 years, starting from the say they went delinquent.\n\nThe "statute of limitations" on your debt depends on the state you live in (look at the links below).  Once that day runs out, the creditor can no longer sue you, and you have no legal obligation to pay.\n\nAgain, read the links below.  They go into the details of both of these time frames.\n\nYou can start cleaning up your credit by following procedures in the Fair Credit Reporting Act.  Protest the listings, and demand that the creditor validates the debt.  Sometimes the listing can be removed through this process (not always).\n\nStart building your credit by getting secured credit cards, or other types of credit cards (department stores).  By making your payments, you will slowly develope your score back up.
833944
If the ccj is paid up then you can write to the court and tell them this. You have to pay £15 and they will mark next to your name that it is all paid. But they will not remove it  unfortunately as i have just had to do this. After 5 years it will come off anyway. But at least creditors can see that you have paid it.
187007
Lets clear up the wrong answers and guesses.\n\nA negative report on your credit history will stay for 7 years.  The date start on the day of default.\n\nJudgements stay on your record for 7 years.  Bankruptcy Chapter 7's stay for 10.\n\nRead the law folks!  Arm yourself!  Knowledge of the law is our only weapon against creditors!
753353
banks will throw the papers out after five years, county court judgements stay 6 or 7 years, not exactly sure.\nThese people can provide you with free debt report,\n http://www.kqzyfj.com/6c66ft1zt0GIONPKIMGIHKNNNLI\neasier to do it online (just cancel before the trial is over) or send them 2 quid for a snail mail report (takes about 10 days)\n\nadded: forgot, while the debt is due you'll get letters and more letters and if you are unlucky debt collectors might come knocking at the door.
812546
Yes it will show up on your reports under public records and will have a very derogatory affect on your score. \n\nI would save up as much as possible and offer a settlement with the factthat they will remove it from your credit. \n\nAlso keep in mind you can offset the negative by adding more positive credit. \n\n\nHere are a few articles you should read to educate yourself: \n\nhttp://www.expert-credit-advice.com/learn_about_judgements.htm\n\nhttp://www.expert-credit-advice.com/credit_score.htm
74830
That depends on what type of debt is causing your bad credit. There are a number of different time frames for items to be removed from your credit report. Inquiries remain on your credit report for 2 years. Delinquencies, collection accounts, charge-off accounts, chapter seven bankruptcy, and paid tax liens remain on your credit report for 7 years. Chapter thirteen bankruptcy remains on your credit report for 10 years. Unpaid tax liens remain on your credit report for 15 years. This information came directly from the credit bureau. If you feel the information on your credit report is too old to still be reported, you should file a dispute with the credit bureau directly.
426070
What was the date you defaulted on the loan?  When did you pay last?\n\nWith that much penalty/interest, it sounds like an old debt.  Each state has a statute of limitations, and after that time you have no legal obligation to pay the debt.  So that will at least get any creditors off your case.\n\nAs for your credit report, you can try what the previous responder said, and send a letter to the collection agency (See the links I've supplied below for info).  But I'm going to bet it won't work in your case, especially for a large credit card company that does this nonsense all the time.  They know the game, and know how to play dirty.\n\nJust because a loan has been charged off and closed does not mean you are off the hook.  The balance can be sold to a collection agency, and they can continue to try and collect.  Without looking at your agreement, I can't advise on how legal their intrest and penalty charges are.  But they will also threaten you with legal fees if they try to take this to court.\n\nCredit reporting agencies will report this debt for 7 years, after which they MUST remove it.  So check the dates, and if this is an old debt my suggestion is ride it out, then watch the report drop by itself.\n\nContact me if you need more info.
271129
Nationally, most companies only keep it on your report for 7 years.  However, there can be exceptions if there is a stipulation in the judgment for a repayment that goes beyond that time (If you are told to pay $100 per month for 10 years, in theory), then it will stay on longer.\nIf not paid, it can also be re-reported by the company or person that you owe the judgment to, and they can continue to keep it on your records for many years longer than that.
1047980
it's an urban myth that things are removed from your report after 7 years. Not true. What does happen is that after time, things no longer affect your score. But it will be on there until the day you die and then some. I pulled a persons credit and it turned up they were deceased. But I could tell he had late payments on his credit cards from 10 years ago. Your account will show a zero balance on your report. any late payments will showup on there as well as when they occured. If you paid off your stuff, make sure you receive letters from your creditors stating you owe no balance and everything is paid. keep them. obtain your credit report and make sure it reflects that you have paid your balances off. if not, contact the reporting bureau and send copy of aforementioned letter and tell them to update. call your creditor and have them update it on their end to the bureaus as well.
571470
<sigh>\n\nOK, William, I thought you would be a differant form of creditor....but you are at least honest.  Just need some more education.\n\nWinelover, you are obviously a collector, peddeling the same like of BS as all the rest!\n\nLets clear up the lies.  Debts can NOT be reported on your credit report for more then 7 years, beginning on the date of the delinquency.  Please refer to the Fair Credit Reporting Act Section 804.\n\nCreditors can continue to collect on a debt that is older then the statute of limitations.  They just have no legal way of collecting.  Depending on the state, that runs from 4-10 years.  Once that day is passed, they can NOT sue you in court or legally try to collect.  If the debt is real old, you can simply contact the credit bureau and demand that it be removed due to the SOL running out.  It will probably require a letter to the creditor also.  Either way, debts older then 10 years can easily be ignored!\n\nSo when you folks tell people that depts never go away, you are simply uneducated or lying?  Which is it?\n\nThe only time they can continue to come after you is if they have taken you to court, and won a judgement.  \n\nThat said, lets answer your question.  William is correct.  Older debts do not hurt your score as bad as recent debts.  Don't get me wrong...negative reports still hurt!  \n\nIf you have any bills collection interest, pay them first (high interest rates first).  Then just try and work your way through.\n\nBefore you pay, first contact the creditors and try to negotiate a lower balance if possible.  Just explain what happened and they may work with you.  \n\nMost importing...you are trying to cean up your credit report.  It does you absolutely no good to pay these bills if the creditor does not remove any negative information from your report.  And you will find that once they have your money, they will not be very cooperative in helping you.  Once paid, you no longer have any leverage to work with.\n\nGet IN WRITING an agreement that once the bill is paid, they will remove all negative information from your records.\n\nUse the sample letters below to help you.\n\nWhen you negotiate, DO NOT offer to pay anything.  One slick trick collectors are using is to ask for a "good faith" payment.  If you do that, you start the statute of limitations clock, and your debt added several years to it's age.  The way the game is played...you are NOT denying you owe the debt, but you are NOT offering to pay it either, until an agreement is reached.
990011
for what?? if you have a judgement against you, you should pay it,,,they will get it out of you at some point.
167107
Do not pay it, unless you have a written letter from the university stating that it will remove the bad rating from your credit report.  Most creditors will just mark it as paid and it will show as a paid collection account.  That is the worst mark you can have on your credit history.\n\nNegotiate with them to lift the mark and have it in writing before you pay.  After you pay, it will be too late and they will not take the effort to remove it.