A civil judgment is a legal ruling against an individual or entity in a non-criminal court case. These judgments can arise from various issues, such as unpaid debts, breach of contract, or personal injury claims. While the immediate implications of a legal judgment can be difficult to deal with, the influence on your credit score is a major concern.
How is Your Credit Score Impacted?
A civil judgment can have a detrimental effect on your credit score. Credit agencies may interpret it as evidence of financial insecurity and irresponsibility, resulting in a reduction in your credit score. This decline can
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