Judgment on Credit in Texas

In Texas, a judgment can show up on your credit report for 10 years or even longer.  This will likely show up in the “public record” section of your credit report.  Texas law provides that a judgment is only good for 10 years but it can be renewed by the creditor for another 10 years.

When a judgment is rendered against you, the credit reporting agency actively seeks these records from the courts.  Thus, it will appear on your credit most likely because the credit reporting agencies found it.

Many consumers learn of a judgment for the first time by pulling their credit report.  To pull your credit report for free annually from each credit reporting agency please visit www.annualcreditreport.com.

If you discovered a judgment on your credit report that you didn’t know about then you may have grounds to file a Bill of Review in Texas.  A Bill of review is an aggressive way to attack the judgment.  Basically you are filing a lawsuit against the creditor to try and get the judgment vacated.  The primary grounds for a Bill of Review in Texas are that you were not properly served with process.

If you were properly served, you may still be able to settle the judgment.  A satisfied judgment on your credit report is better than a judgment that is unsatisfied and owed.  Also, if you obtain the proper release from the creditor, you will not have to worry about future collection attempts from the creditor.

You should also be aware of what exactly a judgment creditor can do to you in Texas because the judgment appearing on your credit report is usually not the biggest concern with a judgment. 

Please read my article on Judgment Liens in Texas for more information on some of the aggressive collection tactics that judgment creditors take and also view my article on Post-Judgment Discovery in Texas.

If you have a judgment that was rendered against you, please contact the law firm of Weston Legal PLLC by calling, emailing, or completing the contact form on this page.  We offer flat fees and payment plans.

Get Help Now


City Links

Michael Weston provides Judgment Defense in all cities of Texas, USA :


Fill out my online form.


Read more Testimonials »