sarah harris
Member
I’m getting ready to apply for a mortgage and came across a concern that’s been weighing on me. Years ago, I had a judgment filed against me for an unpaid debt. The balance was eventually settled, and it’s been quite a while since then. I recently pulled my credit reports from all three bureaus, and the judgment doesn’t appear on any of them. My credit score is in decent shape now, and I’ve worked hard to keep everything current.
My question is: if an old judgment isn’t listed on my credit report anymore, can it still come up during the mortgage process? Do lenders typically dig deeper into court records beyond what’s on the credit report, or are they mainly concerned with what shows up officially through the bureaus?
I’m trying to figure out if I should be worried about this resurfacing or if I’m in the clear since it no longer shows. Has anyone been through a similar situation when applying for a mortgage? Would really appreciate any insight or experiences you can share
My question is: if an old judgment isn’t listed on my credit report anymore, can it still come up during the mortgage process? Do lenders typically dig deeper into court records beyond what’s on the credit report, or are they mainly concerned with what shows up officially through the bureaus?
I’m trying to figure out if I should be worried about this resurfacing or if I’m in the clear since it no longer shows. Has anyone been through a similar situation when applying for a mortgage? Would really appreciate any insight or experiences you can share