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2012HopeT

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Unpaid eviction falling off credit report in 3 months. Will i still be able to get a mortgage?
There was a judgement thru court for $3100. the judgement doesn't show on credit report. This is the only unpaid collection on my credit report. I've been renting since but the lease is in my fiances name. Should I let it fall off and pay the court? Pay the collection agency? Or since it will be removed off credit report can I not pay it at all?

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If you have a judgement that is not showing on your credit report, at any of the three credit bureaus, then there is nothing for a mortgage broker to see in respect to the debt.  Thus, if it rolls of automatically based upon the time limits you probably do not owe the debt in accordance with the statues of your state.   When you apply for a mortgage and you have been renting, the mortgage company will be wanting to see your payment history.   If you have been giving your fiancee cash to pay the rent, then it is proof of her payments that they will need, providong the mortgage will be in both of your names    They routinely will want to see cancelled checks as proof.  They do not consider automatic payments by the bank as timely paying the rent payments.  (Strange but true.)    In respect to the judgement and paying it, there are many factors to consider.  Who to pay depends on what the court document states.  Sometimes, the attorney who filed with the court has the responsibility of collecting from you, although if they did not do their due diligence and let the statute expire, then you may not owe them.   There are times when the court is in charge of the collection and the same applies to them.  If the collection went to court, it would expire with the statute of limations.  Be aware that they can file an extension with the court within the statute and have that extended for a period of time.  

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JohnnyRain127

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" ... If you have a judgement that is not showing on your credit report, at any of the three credit bureaus, then there is nothing for a mortgage broker to see in respect to the debt..."

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Unfortunately that isn't true. Judgements and evictions are matter of public record, unless you get those records sealed, vacated or withdrawn? It surely will pop-up when the mortgage underwriter/broker runs an public record search on you. State/County recorder offices don't usually purge their records on regular bases, I can still see my own public records from 1996. In addition to three Credit Bureaus whom has your credit/background informations, there are plenty of speciality "Credit Bureaus" that lenders will use in whole or part of their lending decisions, like ChexSystem for screening checking/saving accounts.

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Per FCRA 605(b), under some limited circumstances, lenders, potential employers or life insurance underwriters can request your entire credit file. Contrary to normal beliefs, when a item has reach its statutory reportable period? It's not actually being deleted or purged from your "credit files", it's just being excluded from your "credit reports".

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