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carolchelseapayton

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How long does a civil judgement stay on your credit file

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You need to know not only how long it stays on your credit report, but how long the statute of limitations is for collecting a judgment. The first one is easy: it stays on your credit report for seven years from the date of filing. 
The statute of limitations is an entirely different animal, and it varies by state. Say it's ten years. That means that AT ANY TIME during the next ten years you could have your wages garnished, your bank account seized, or a lien placed on your property. Not only that, but when it gets close to expiring it can be renewed, so it's quite possible to have the threat of having your money/property taken away indefinitely, or until the judgment is satisfied. Just because it's gone from your credit report doesn't necessarily mean it's no longer a threat. 

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