What are Liens and Judgments?

Liens and Judgments are public record filings on individuals to help uncover civil court filings during the credit review process.

Critical data on tax liens and civil judgments is no longer included as part of the standard consumer credit report issued from all three major credit bureaus. This change occurred as part of the implementation of the National Consumer Assistance Plan which is the result of a settlement between the three leading US credit bureaus and 38 states in 2015.

As of April 2018, all of the major credit reporting agencies have fully discontinued offering liens and judgment data.

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