How long will a civil judgment stay on a credit report in Washington State?

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1218465

2026-04-26 14:35

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Seven years. However some types of judgments are renewable and can remain on a report indefinitely. The length of time a judgment may show on your credit report is established by the Fair Credit Reporting Act 15 USC 1681c, 605(a)(2). It reads "...Information excluded from consumer reports...civil judgments...that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired..." So, any judgment would be displayed for 7 years from the date of entry (filing), regardless of the state it was filed in. The time period a judgment is valid is determined by state law. In Washington that time period is 10 years. After 7 years from date of filing the judgment would no longer show on your credit report, but other actions allowable by law: placing a lien on real property, wage garnishment and seizure of bank accounts would still be possible. Washington state also allows judgments to be renewed. Should a plaintiff choose to do so, any unpaid judgment could be renewed for another 10 year period. The renewal, being a new filing, would cause another listing on your credit report, which would appear for 7 years from the new date of entry.

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