Does filing a collection defense lawsuit hurt my credit score?

The short answer is no, filing a collection defense lawsuit in Washington does not hurt your credit score. The Fair Credit Reporting Act (FCRA) prohibits any credit reporting agencies from using information about a lawsuit, including a collection defense lawsuit, when calculating your credit score. This means that even if a collection defense lawyer files a lawsuit in Washington on your behalf, it will not reflect negatively on your credit score. However, you should be aware that even if the filing of a collection defense lawsuit does not hurt your credit score, it may still have other financial consequences. Depending on the nature of your case, the collection agency that initiated the lawsuit may seek the costs of the lawsuit from you. This could include court costs, legal fees, and sometimes the original debt, plus interest. Also, if you are successful in court, it may be difficult to collect on this judgment as the collection agency may not have the funds to pay you. Finally, remember that a collection defense lawsuit is not always the best way to solve your debt problems. It is always best to try to negotiate with the collection agency before filing a lawsuit, as this can often be an effective way of resolving your debt issues without going to court.

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Does filing a collection defense lawsuit hurt my credit score?

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