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I lost a small claims case about 5 months ago. I havent paid it yet and so far, the judgment hasnt appeared on my credit report. If I pay now, Is it too late to have the judgment vacated? I have heard that if the judgment does appear, it will harm my credit regardless of whether it's shown as paid or not. That being said, what incentive is there to pay the judgment in a timely manner? Why not just make the plaintiff levy my bank account or file a property lien?