How to Tell If There Is a Judgment Against You for Credit Debt?

Checking your credit report twice a year is prudent and free in most states. If you have access to the Internet, you can see the complete report from the three main credit reporting agencies online in just minutes. You'll be able to check for inaccuracies and dispute incorrect information. If you have a judgment against you, it will appear in the Public Records section of your credit report.

Instructions

1

Go online to AnnualCreditReport.com, or click the link below to access all three credit reports at the same time (Equifax, Experian, TransUnion).

2

Select your state and click "request report." Complete the required information and click "continue." Verify your identification and continue.

3

Select the credit reports you wish to access. View and print your report.