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The expert was likely referring to the fact that a judgment can be appealed for up to 30 days from the date it was rendered by the judge. Until then, the judgment is not completely final.
However, the judgment can be enrolled/filed with the clerk's office as soon as it is initially rendered. Also, it could be put on your credit after the initial filing, but whether or not it is depends on how often the creditors check these types of records - the credit bureaus are not automatically notified.
If you get the judgment paid before the garnishment/income execution begins, you should be fine.