Many clay-lump houses have one or more elevations faced with brickwork which was either built with the house or put on as an improvement later. The brickwork was fixed to the clay-lump with bands of hoop-iron which were nailed to the clay-lump or were built into the mortar joints. In time these ties rust and fail.any brick flues were lined with subsoil and some had their brickwork laid in earth mortar. Openings in walls are bridged with wooden lintels and often have blocks of wood built into the reveals for fixing doors or windows. In clay-lump buildings the windows and doors were built in.
Identification. Adverse public records, which include judgments, tax liens and bankruptcies, are considered when calculating your credit score. The dollar amount of a judgment makes no difference and the mere presence of a judgment can cause your score to drop up to 150 points when they are first reported.There is no exact formula for determining how much your credit score will drop.ime Frame. Judgments will stay on your credit report for seven to ten years from the date it was filed, whether you pay it or not. The time frame that it will remain depends on the statute of limitations in your state.
The credit score point or number values have a range from 300 to 850 points. Higher numbers are better in this ranking system. A credit score that is above 700 points is considered to represent a consumer who is an excellent risk for creditors and lenders.