I recently looked at my credit report and there are NO judgements listed against me. Could there be one that isn't listed? wouldn't it have to be listed? Wouldn't I have to be notified of this if it were true?
Beyond that, the "judgement" would have been illegal in the first place, as NYC small claims court states that in order to even file against someone, they must live or work in NY, or have a business there. At the time of the filing I was a NH resident. I believe he may have lied to the NY court and given my old address. But there is no proof of any judgement anywhere that i have seen, and when asked to produce the proof, this creditor said he would not do so.
Credit Reports are not any authorization and typically do not report history beyond seven years. I don't see any benefit to a creditor in NOT producing a judgment, so that says something.
Now how can I find out definitively if there is a judgement against me? Is there a public record to look up or someone to call?
Practically impossible, as you have no idea which court the judgment would have been entered if you suspect that it was not legitimate. If it was a legitimate judgment, you can check with the clerk in each jurisdiction where you have lived for the last 20 years.