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How Can I Update My Credit Report?

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After you pay the judgment in full, make sure the judgment creditor files an Acknowledgment of Satisfaction of Judgment (Form EJ-100).

This form should be filed by the judgment creditor within 15 days from the date you paid the judgment in full. (If you paid by personal check, your check has to clear first.)

  • If there were no liens on your property, the creditor can use the Notice of Entry of Judgment (Form SC-130Opens new window – the “Acknowledgment of Satisfaction of Judgment” section on the bottom of Page 2.
  • If there were liens on your property, the creditor must use the Acknowledgment of Satisfaction of Judgment (Form EJ-100). Opens new window

NOTE: If the judgment creditor doesn't file the appropriate form, you may ask the court clerk to enter a "Satisfaction of Judgment" -- if you can prove you paid the full amount of the judgment with the interest and costs. To learn how to do this, click here.


To update your credit report:


Step 1.
 Get at least 4 certified copies Opens new window of the Acknowledgment of Satisfaction of Judgment (Form EJ-100).

NOTE: Usually, a certified copy of the Acknowledgment of Satisfaction of Judgment is all you need. However, sometimes you may need a Certificate of Satisfaction from the court to prove that you have paid the judgment. For information on obtaining a Certificate of Satisfaction from the court, contact the Small Claims Advisor Opens new window in your county.


Step 2.
Mail a letter to each of the major credit reporting companies informing them that you paid the judgment in full. 

  • Attach one of the certified copies of the Acknowledgment of Satisfaction of Judgment to each letter. 
  •  The major credit reporting companies are Equifax, Experian and Transunion.


Step 3
. Keep a copy of the letters for your file.

The credit reporting companies will note that the judgment is paid.  However, reference to the court case will usually remain on your credit report for up to 7 years or more.

 

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