Not all personal information is private — including Public Records. All federal, state, and county courts make certain information public. This includes information about legal matters affecting your credit. It works like this: the courts record legal information, make it public, put it on your credit report, and it becomes a "Public Record." The most common types of Public Records include:
  • Judgments against you in civil actions
  • State or federal tax liens
  • Child Support
  • Bankruptcies

 Public Records stay on your credit report for seven years. If the Public Record is a Chapter 7 or 13 Bankruptcy, it will stay on your credit report for ten years. If you have a Public Record on your credit report, you can take steps to ensure that you receive credit under the best possible terms. The most important step is to make timely payments on your Public Records. Set a goal for yourself: Aim to have your Public Records paid-in-full by a certain number of months or years. By sticking to your payment plan, you’ll prove to potential creditors that you are a creditworthy consumer.



We hope this information was helpful. If you have any additional questions, comments ,or concerns ,please submit a ticket and our support team will assist you.



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