Judgments No Longer Included on a Credit Report

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Dear Experian,

I am a landlord that has been awarded a small claims judgment in excess of $5,000. Can this be reported to a credit bureau? If so, how?

- RDT

Dear RDT,

Civil judgments like the one you describe are a debt owed through the court. In the past, the judgment would have become part of your previous tenant's credit report with no action on your part. However, Experian no longer shows judgment and tax lien information as part of a consumer's credit history.

Bankruptcy is now the only public record information that is collected routinely by the national credit reporting companies, including Experian.

What's Not Included a Credit Report

Similarly, a credit report does not include information about income, banking relationships such as checking or savings accounts, or assets such as certificates of deposit, retirement accounts, stock holdings, or real estate.

There are organizations that may collect some or all of that information, such as debit bureaus that maintain checking account histories, or background checking companies that may collect information from a variety of sources and compile it into a comprehensive report, but they will no longer appear in a credit report.

Thanks for asking.
The "Ask Experian" team

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