no you can't invent a judgment, but that comes way down the track. I'm talking right back at the beginning of the process.
logic has nothing to do with credit reporting unfortunately. Sadly, I can file a claim against you for any spurious reason and it will stuff you right up. In a recent action I filed a claim in the magistrates court against a bloke on a matter that had been in the supreme court. It was a long shot from the gecko but worth a go. It hit their credit file just as they were refinancing a major development, funder pulled out. doh! sadly for me I was unsuccessful in that particular action but ultimately successful in the supreme court action. Oh then they also had a counter crack, filed a ridiculous claim for about half a million but never bothered serving it. Ican't defend it because it isn't served, I understand it takes 15 months to lapse by default? (1 year, then 3 months)