Do Wage Garnishments Affect Your Credit Score?

S

Samantha

Member
Quick question I’m hoping someone here can help with do wage garnishments directly impact your credit score?

I know that things like missed payments, collections, and judgments definitely hurt your credit, but I’m not clear on whether the garnishment itself shows up as a separate item or just part of the process from the original debt.

I had a situation a while back that led to a judgment and now my wages are being garnished. I'm already working on rebuilding and staying current on everything else, but I'm wondering if this ongoing garnishment is continuing to drag my score down or if most of the damage was already done when the account went to collections and the judgment was issued.

Anyone here been through this and come out the other side?
 
Organic is king. Set up a Google My Business page, drop content on TikTok, and engage in credit Facebook groups. You’ll get leads who already trust you.
 
Wage garnishments themselves don’t show up on your credit report, but the reason they exist does. If you had a judgment or collections account, that’s what hurts your score. The garnishment is more like the end result of that damage, not a new one. Stay current on everything else and you’re on the right path.
 
Been there my dude. Got a garnishment from a medical bill in 2021. My score tanked when the collection hit and again when the judgment was filed, but once the garnishment started, my score actually stabilized. As long as you’re not racking up new negatives, you can totally rebuild from this.
 
Tbh credit bureaus are shady AF. Sometimes the judgment leaks onto reports, sometimes it doesn’t. Depends on your state and how aggressive the creditor is. Garnishment doesn’t technically hurt your score but it sure feels like it when you’re living off 60% of your check
 
Here’s how it usually goes:
Missed payments → hurts your score
Collections → hurts more
Judgment → hurts even more
Garnishment → not reported, but shows up in public records sometimes

The score damage mostly happens early. Garnishment is just the cleanup crew.
 
Does wage garnishment hurt your score? Bro it already nuked your wallet and dignity—what’s a few points on a FICO chart? But seriously the action of garnishment isn’t what hits your score. The trainwreck that came before it did.
 
If the garnishment is a result of a court judgment then that judgment is likely on your credit report already. But no the garnishment itself isn’t an additional entry. Focus on paying other accounts on time, lower your utilization and look into disputing old negatives.
 
You’re doing the right thing by rebuilding! Garnishment is painful i won’t lie. But once it starts, the worst has usually already happened credit-wise. I kept making my car payments, got a secured card and my score climbed back to 680 after two years.
 
This is why I tell folks to take court summons seriously. If you get sued and don’t respond, that judgment will mess your life up for years. Garnishment sucks, but it’s the result of letting it get that far. Stay proactive and informed, y’all.
 
Not a lawyer but my own research and experience say the garnishment itself isn’t reported. As long as you’re not defaulting on anything else and you’re working on positive credit habits, your score can recover even with the garnishment still ongoing.
 
The credit bureaus don’t record garnishments directly. But public record databases sometimes do. If a lender does a background check or pulls public records, it could come up. Doesn’t affect your score directly but may affect creditworthiness perception.
 
Let’s keep it real if you’re at garnishment level, your credit already looks like it went through a blender. But the good news is that things can only go up from here if you play it smart. Keep current and dispute what you can
 
I had a garnishment from a payday loan back in 2019. Judgment hit my score hard. Garnishment? Didn’t move the needle. After it was paid i started getting secured cards, kept bills on auto-pay, and now I’m in the 700s again. You can bounce back.
 
You’re already doing the right thing by staying current and rebuilding. The garnishment’s not continuing to hurt your score unless other things are going south. Keep grinding, you’ll see results.
 
Nope the garnishment itself doesn’t show up as a separate ding. The damage came from the collections/judgment. If you’re keeping everything else clean you’re rebuilding even while they take your check.
 
Kinda wild how they can take your wages for years but your score doesn't reflect it anymore. Like why not give you points for actually paying even if it’s forced?
 
Feels like getting wage garnished is the adult version of getting sent to the principal's office. You're already in trouble no need to write it on your permanent record too.
 
I ignored a collection call thinking it was a scam. Next thing I knew judgment, then garnishment. My score tanked before the garnishment ever started. If you're in it now the worst is already on your report.
 
If you’re in garnishment now try calling the creditor to negotiate a lump sum to stop it. Sometimes they’ll take less than the total to end it early. Also check if your state has limits they can’t take everything.
 
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