New Requirements for Judgements
The new reporting criteria for the National Credit Reporting
Agencies (NCRA) will mean more
due diligence in reviewing loan and credit applications.
1. No judgements for Tax Liens will appear
on credit reports.
2. Only judgements with the debtor's Name,
Address, Social Security number
of Birth will be reported.
I would suggest that when you file a judgement, be sure you or you
attorney include the SS# and
DOB with the name and address on the judgement and on the serving
If you do not get the DOB on the application, the full DOB (along
with the sex and first and middle initial)
is included in the Illinois Drivers License and on the Illinois
state issued ID.
Several other states also include the DOB in the DL numbers.
If you are using Credit Information Systems (
888/852-2574) ask them
civil judgement searches to your credit reports. Credit
Information Services can
provide this service through either their Sharper Lending or
Here are two reports attempting to explain the changes.
I will post new information as I receive it.