Call yourself lucky if the judgment has not appeared on your credit report.

Does wage garnishment affect my credit score?

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It’s the judgment and not the garnishment that affects credit score. Call yourself lucky if the judgment has not appeared on your credit report. However, it may appear in due course even after the judgment has been satisfied.
 
Moreover, judgments remain on your credit report for up to 7 years or your state statutory maximum, whichever is larger.
 
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Wage garnishment is the outcome of a court action and it remains on your credit report for as long as seven years. It will have a negative effect on your credit score.

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Wage garnishment affects your credit score but not to the extent as done by bankruptcy. Nearly thirty-five percent of the credit score is based on your payment history. It is the largest causal factor for your credit score. If your wages are being garnished, it will appear on your credit report and you might face problems in getting any type of loan.


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