I recently looked at my credit report as a result of applying for a mortgage. It turns out there is a judgment on my credit report from a different state from 02/2007. I lived in that state (TN) until 2006, when I moved to OH. I never received notice that I was even being sued, I know I definitely was not served anything. I was definitely not living in that state when the judgment was filed/granted. (I'm guessing it was a default judgment, since obviously I never showed up in court for a suit I had no knowledge of.) It seems to be from a medical bill (it is a hospital). I honestly cannot even think of what incurred this bill in the first place, which is an entirely different issue. What is my best recourse for having this judgment reversed? Is it too late to file for a vacate, since it has been three years? It hardly seems fair, since this is the first I've heard of any of this.
I'm only a four hour drive from the state where I used to live, and I
will drive down there to file paperwork if I have to.
I can say that I have learned a good lesson - check your credit report more than once every five years!!!