Bad Credit Agency

How do I report a debt (monetary court judgement) to one of the credit reporting agencies.?

I have a monetary court judgement in the amount of $8,000 for damages caused by a tenant. I want to record this legal debt with the credit reporting agencies. How do I do it? What is the cost? Must I report it to each agency...or can I just report to one and the others automatically "pick it up"?

Public Comments

1. There are individuals and companies that collect public information from the Courts and report it to the credit bureaus. You may check with the Court Clerk to see who does it in your jurisdiction.
2. Your best bet would be to contact all credit bureaus or get some advice on how to report it. I have the phone numbers to the credit bureaus: Equifax: 1-866-798-6598 Experian: 1-800-734-4617 TransUnion: 1-800-888-4213 I think if you report it to one, it'll be automatically reported to all others. But as them and they'll let you know.
3. If the judgment is recorded with the courthouse, the bureaus will get the information from the public record. An individual cannot report a personal judgment to the bureaus. Companies must be subscribers to the bureaus' services to report to them.
4. the best bet is to call equafax transunion and experian and they will tell you how to proceed with this.Some companies do this for you but they charge a fee.
5. Unless you are a paying subscriber to the bureaus with a full service contract (very very expensive, more that your judgment is for), you will not be able to do this. You may find a collection agency willing to buy the debt from you for pennies on the dollar. Also you can file a lien on their real estate which means that before they sell that property they would have to settle the debt with you first. Unfortunately a civil judgment is just that, a judgment and not an order to pay.