how long credit history stays in your record
The only positive in this situation is that in September, the collection account will be removed from your credit report, which should boost your credit history. The judgment should also be removed from your credit report seven years from the date it was entered. The bad news is the judgment will still be there, even though you can't see it on your credit report, lurking in the shadows, waiting for the worst possible time to leap out and surprise you.