Court judgment on credit report for non-sufficient funds check

Dear Experian,

I just paid off an outstanding debt for a non-sufficient funds check written in 2005. I recently found out that a warrant had been issued because of the nonpayment. I have a copy of the court dismissal and receipt for the restitution. How can I be assured this will be removed from my credit report?



Dear RAA,

Non-sufficient funds checks don’t automatically appear in a credit report. Instead, they would first be reported to a debit bureau, which is similar to a credit reporting company but maintains information about bank accounts rather than debts.

Additional action usually is necessary before the check becomes part of your credit history. The most common action is for the bank to turn the amount over to a collection agency. At that point, it becomes a debt you owe and so will be reported to the national credit reporting companies and will be included in your credit report.

The second possible action is suing the person to recover the insufficient funds and any additional penalties or fees. A public record of the civil court judgment would then be added to your credit report. That sounds like what happened in your instance.

You may want to verify that the judgment has been updated to show that it was paid or dismissed. The public record entry in your credit report should reflect the status of the judgment in the court’s records. If it does not, you can request a verification of the status.

Even if the judgment is paid or dismissed, the public record item or the collection account will remain in your credit report for seven years. Your credit report is a history and that judgment is a part of your history.

Thanks for asking.

- The “Ask Experian” team

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