Are the negative marks on your credit report suppose to come off after 7 years?

In 2/2001 I had a judgement against me for a credit card bill. Today I received a letter in the mail saying they were going to try to garnish me. Can they do that or does that have to come off my credit report since it was 7 years ago exactly?

Are the negative marks on your credit report suppose to come off after 7 years?
If you never paid off the judgement,then they can garnish you. The judgement "may" come off your credit report - but that does not mean it's gone away. Also, if they are taking additional action, it may go back on your credit report again.





You should always pay your debts!!!
Reply:nothing comes off your credit unless it has been paid off totally and then it is still a long process and as far as a judgment those take even longer. Credit is tricky and once it is messed up it is twice as hard and three times as long to fix it. Good luck
Reply:It's seven and a half years. I read it at http://www.bankrate.com or whatever my source is called. It said seven and a half! OK?
Reply:Dobber - Where did you get your information? Your answer couldn't be more wrong. You definetly need to do some research.





Judgements and other negative marks fall off your credit report 7 years from the date of delinquency, or in the case of a judgement, from the day it was filed.





Now every court has different rules when it comes to judgements and how long they last and if they can be renewed, that is something you'd need to contact the courts about. Either way, it should be off your credit report. Once that 7 year reporting period is up you are free and clear when it comes to the credit score.





Aubreigh - It's 7 years. That 180 day period is how long the creditor must wait to list the charge off on the account, it doesn't extend the 7 years. Don't feel bad though, lots of people confuse it.
Reply:From what i understand, it's 7.5 years.
Reply:It looks like they would still have the ability to garnish your wages, but the judgement should come off seven years after it was filed. There is usually a lag from the time something is supposed to come off to when you actually see if reflected on your credit report.