First of course you should know if you have a judgement, you are notified of a hearing, they have a court hearing and a judgement is ordered by the judge. So if they sent you notice of a court hearing and you did not go, then most likely they got a judgement.
Next what type of loan ? You can check with the court where it should have ahppened. If a lender is telling you they have a judgement, merely ask for a copy of the judgement, ask them what court, what was the docket number and so on.
As Scott said, normally they get the judgements fairly well, but also how long has it been, if the judgement happened three weeks ago, it well may not be showing up yet.
And I was trying to just add a note onto Scotts agreeing with his, but it would not let me this morning
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