Civil Judgment

[h2o]

If my credit score was 700+, but I have a civil judgment that shows up as paid on my credit report... will I still be considered high-risk? The rest of my credit is flawless and I have a good amount of liquid assets and real estate.

[lifeisgood]

The weight of a past paid civil judgment will more than likely be a determining factor with most surety's. I'm sure there are probably some surety's out there that may overlook that considering your high credit score and available liquid assets. Your best bet would simply be to shop around.

[h2o]

Would it helpful to provide a written explanation about the judgment?

[Surety Wizard]

Any documentation about a Civil Judgement could help your cause with the Surety Company. Keep in mind though it still makes you more of a risk to the Surety Companies than a 700 credit score that is clean.