1

When I was in my late teens, I made some bad choices. Most notably, I was on SSI, which the government retroactively decided I was not eligible for. They put the debt on my credit report, some years passed, and it completely eventually fell off a year or two ago. The debt went unpaid.

Now, I received a letter of administrative wage garnishment for 15% (!) of my income. However, I never went to or was summoned to court for this matter for this action. When I read up on what public records can appear on your credit report, Experian, Equifax and TransUnion all insist that the three kinds are: bankruptcies, tax liens, and judgments. Experian in particular insists that there are no other public records that can show up on your credit report.

The only way I can see this as showing up on my credit report is if it's considered a "judgment." So, the question is, is this a "judgment"? And furthermore, is my interpretation incorrect? That is, is there a good likelihood that this unpaid debt will continue to haunt my credit report in some capacity?

Your Answer

By clicking “Post Your Answer”, you agree to our terms of service, privacy policy and cookie policy

Browse other questions tagged or ask your own question.