Public Records on Your Credit Report

Public Records on Your Credit Report

Public record information on your credit report can negatively affect your credit score and may stay on your credit report for seven years or more. While it's best to avoid them, if you already have one reported on your credit report, there are a few things you should know.

What is a public record?

"Public records" refer to county, state or federal materials that are typically viewable by the public. Examples of public record information that are often included on credit reports are bankruptcies, civil judgments, tax liens, foreclosures and wage garnishments.

How will it affect my credit?

Adverse public records included on your credit report can have severe negative effects your credit score. Generally, only time can lessen the impact of a public record on your credit report. Most public records can remain on your credit report for seven years. However, certain types of public records may remain for longer periods. For example, bankruptcies may remain on your report for ten years, and an unpaid tax lien could remain on your credit indefinitely.

What can I do?

You can view the number of public records you have on credit reports from the three major credit bureaus by checking your TransUnion credit report for free on Credit Karma and your Equifax and Experian credit reports from AnnualCreditReport.com. If you believe the public record information on your credit report is inaccurate, you can dispute it as an error to the bureau.

If the public record information is accurate, the main steps you can take are to make sure you've paid any overdue accounts and to call up each credit bureau reporting the public record to find out for how much longer it will be on your credit report. In the meantime, keep the rest of your credit in good health by taking steps like making on-time bill payments and maintaining a balanced credit utilization rate.

Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.

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3 Contributions
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From what I have researched, a judment or deragatory mark (not including bankrupcy) will stay on your credit report for 7 years plus 180 days.  The 7 years start from the date the first delinquincy was reported to the agency.  The 180 days is the leway they give the reporting agencies to remove it from your report.  If after the sevens years your deragatory mark is still on your report, dispute it by wiriting a letter to the agency that is reporting it (Transunion, Experian or Equifax).  They will investigate and inform you of thier decision.  Once they remove it from the report, they have 30 days to report this to the other 2 agencies so they can remove it from thier reports as well (if it's on there).

Reply by
3nvy

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The date that the delinquency was first reported will be listed on your credit report.  

For example, if you had a judgment filed against you January 30, 2006 that is the date that will be listed on your report.  Now let’s say you didn't satisfy the judgment until July 15, 2007.  Your report will be updated showing the judgment was paid with July 15, 2007 as the satisfaction date (proving you sent in the court document showing the judgment was paid).  The seven years will actually start January 30, 2006 because this is when the judgment was first reported to the agency (even though it wasn't paid until 2007).  You will have two entries on your report - one showing the date the judgment was filed, and one showing when the judgment was satisfied.  If after January 30, 2013 your judgment is still on your report, you can dispute it by writing a letter to the agency still reporting the judgment.  They have 30 days to investigate and make a decision.  If they rule in your favor, they have another 30 days to inform the other bureaus to remove it from their reports as well.  After you are informed of their decision, providing they agree to remove it (no reason they shouldn't after the 7 years time-frame), check your report 3-4 months later to make sure it is removed.

Reply by
ADJBB1

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sometimes they will not tell the other agencies about that but  you have to check them yourself like i did to see if the public record or judgement is on tht report be it trans union, or equifax,or experian.2 agencies were reporting the false judgement on my report and the person was not your truly. they will screw your name and credit up if you do not check your reports on a regular basis. they did remove the judgement from my report once they knew i was not the right person. imagine not knowing and appling for credit?  came as a shocker to me

Reply by
rmae

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all of my accounts are in bankruptcy status presently.im awaiting for them to be discharged soon. it appears that my credit score is rising since the bankruptcy.how is this?? how can i get my credit back on track after the discharge??.thank you

Reply by
Melie0214

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How will I know when the first delinquency was reported to the agency?

Reply by
dddewdrop

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     As far a I know, one CRA does not have any obligation whatsoever to report removing something to other CRAS. I am not quite sure why I'm replying to a comment made 6 months ago but nevertheless.....

Reply by
CCarr1986

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Thanks for this information. I couldn't understand why items I had disputed were still on the other two reports. So it takes contacting all three credit bureaus to have something removed? So what about if only one is contacted, does that mean the derogatory marks are still present on your credit score? Also, what happens when one creditor sells your account to another company, does that start the 7 years again? One more thing, is it possible to get student loans removed by way of bankruptcy?

Reply by
2gypsum

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I would like to know who made a negative comment about my credit and when this was made.  I do not think this is correct.

Reply by
barryboat

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wait 7 to 15 years thanks a ;lot

Reply by
Financillyfree

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I am almost at my seven years ome july of next year, but I haven't paid it off yet due to the fact I don't know which debt or debtor put the judgement on it. How can I find out?

Reply by
baby22555

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i called court i have never in my life live in the city there claiming i owe this landlord i was told to contact landlord but they wont give me his number so how do i get this off its not mine

Reply by
Chicorincon

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0 People Helped

Who do I call to have public  records from the credit bureaus

i called child support and they said you would remove it from my  credit may I have a contact number

Reply by
yngmama3

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0 People Helped

How can I find out who is reporting this.  It has been 7 yrs. and I want to remove it.  Should I just send letters to all three?

Reply by
chawspr50

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0 People Helped

I have heard a Public Record, even from a Divorce debt can stay on your record for 15 years. It it has been 7 years already, and since the debt was actually incurred more than 10 years, what is the best course of action to take at this point? I will not pay a debt that is not mine, even under my name, because someone else unlawfully made some charges, especially if this is the ONLY negative anything on my record.

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0 People Helped

how do i see the "public records" they reported? i can't think of a soul i owe anything to! thanks so much for your time and answers

Reply by
tkj1963

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0 People Helped

I Have NOT filed a Bankrupcy!

Reply by
Oakwooddream

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0 People Helped

The judgement in court against me was closed. It was determined the judgement was done in error. The Discover Credit card   Company had a judgement in default of credit card payment. This account was paid by me. I have a paperwork from the court that the judgement was removed and done in error. 

Reply by
crazyhorse2126

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i called trans union i had 1 public record of owing 7000 dollars i called its been taken off and karma still has it on here

Reply by
dibrown

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Companies are getting by that 7 years, because they are selling it to other companies and then they try to collect and it still shows up on your report.

Reply by
mastercode

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I am about to sue transunion if i dont see my file removed

as the law requires.  please remove you are already late 365

days

Reply by
ANNITASHORTY

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WHAT BILL IS THIS THATS DELINQUENCY ON MY CREDIT

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Judgements can be removed from your credit reports with the right disputing.The court houses do not report these items.Therefore it is a 3rd party that obtains this information and sells it to the credit bureas.I have called mutiple court houses researching the matter.Also, if you decide to satisfy the judgement it will be removed from your credit report as of the last date of payment.This goes for any account, once you start paying on a past due debt it restarts the date of last activity.I have had some luck on getting judgements removed from my reports as well as several friends.

Reply by
joleen5864

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We had a judgement in 2012 and we paid it off in 2014.  It is still on our credit report!  Not only that, but according to creditkarma, its now listed as a new thing on our report.  Please tell me how I can get this off my credit report.

Reply by
ladyp51

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I had a tax lien on my report that was in error. I disputed it with the bureas as well as the court hat issued it. The coure deemed it satisfied and the agencies marked as satified on my credit report but have not removed it therefor it still affects my score. Any answers on how to get them to completely reomve it would be appreciated>

Reply by
cavine

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The HOA where I lived filed a judgment in June 2011.  The HOA agreed to accept less than the judgment and the judgment was satisfied on May 28th, 2013 when the closing of the home took place.  I've sent letters from the title company to each of the 3 credit reporting agencies advising them that the judgment was satisfied.  Is there something else that I need to do?  I know that it will stay on my credit report for 7 to 10 years, but doesn't the fact that the judgment was satisfied mean anything positive?

Reply by
dslindsey

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How do you get this removed if it was paid?

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Reply by
Moraxion

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For everyone asking on here, payment doesn't make it go away.  What you need to do is have them file a motion to vacate.  When granted, it is as if it never existed.  Negotiate with them before you pay that they will file the motion.

Reply by
bibari

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Please tell me how to go about doing it.

Reply by
NavelOranges

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4 People Helped

Hi, 

Hopw all is well. I have a court judgment on my credit report. Balance is $1,404. I am paying it off in full next month. What do I do to get this off my credit report besides waiting 7 years to disappear? Thanks so much. If you have helped your friends and family would you mind helping me as well? Thanks

Reply by
slshaff9

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0 People Helped

wayne6372---what kind of disputing? I paid my judgement early---and the plaintiff in the judgement does NOT object to it being removed---but the court still has not removed the judgement.

Reply by
Carolsong

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0 People Helped

Exactly how did you get the judgement removed?  Can you give step by step instructions.  Everything else says it stays on your record for seven years.  Thanks

Reply by
hawang

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0 People Helped

I have the same problem like you have. The judgment was paid off 3 years ago, and the report shows it is paid, but it is still on the report. Can I learn from you the way you got it removed?

Thanks

Hank

Reply by
tammy2294

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0 People Helped

I have 3 tax liens that were just paid off, can you advise me on how to get them removed?  I have asked to have them taken off but all they have done was update them.

Reply by
185416

1 Contribution
0 People Helped

Judgement was placed it was a stolen credit card sent in police report  to everyone involved still has not been remixed

Reply by
MrHighyellow

2 Contributions
0 People Helped

Where do I start to get a judgement off my credit report?

Reply by
MrHighyellow

2 Contributions
0 People Helped

How did you get this judgement removed?

Reply by
keywestlover

1 Contribution
0 People Helped

Please send any info on getting a judgement removed from my credit report, which was 792 before judgement, which dropped it to 700..  Judgement was in May 2014 and will be paid by August.2014. Do I have to get an attorney and will that do the trick?

Reply by
Belara494

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0 People Helped

How is it removed after a dispute they wrote it off and sold it.  They told me they no longer had any paperwork even when I got an attorney th help me  

Reply by
monicc37

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0 People Helped

How do you do it because I have two tax liens that have been paid and released but it is still showing on my credit report.

Reply by
dhagins1463

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0 People Helped

How am I able to do this 

Reply by
tweety369

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0 People Helped

I have two judgement on my report one will be taken off next month but the other says a date of 2011. Any advise you can give me would be appreciated. Also both judgements have been paid off.

Reply by
cassandracatala

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0 People Helped

What dispute did you give them? I know the information from the courts as well but all the clerk did was make me purchase a Certificate of Disposition showing that the judgement was paid in full and when I informed the that the court said they should remove the itm from my reoprt, they refused. Even after I told them the courts dont reoprt to them, they go fishing for it...So in short, even after sending an official court document and asking them REPEATEDLY to remove it, they havent.

Reply by
geminiqt76

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0 People Helped

Hi, I don't see any info. on where I can go or who I can call to get it removed. Also, when you say satisfy are you meaning,  bringing all past due up to date;making satisfying payments monthly or are you meaning paying it off totally??
 

Reply by
Dannilynne13

3 Contributions
1 Person Helped

I have a court judgement on my credit profile dating October 2007. I have no idea what it is or where it's from. How do I go about obtaining that information?

Reply by
travelgal

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That is not true - it will not be removed from the credit bureau report even if you pay the judgement.  I took a tenant to court for damage to my home.  The judge ruled against me because I did not tell him within 30 days that I was keeping his security deposit.  I lost the case and had to pay him.  I paid him immediately.  However this was on my credit report for 7 years - for 500 dollars I suffered with a 'judgement' - not to mention damage to my home....No it will not be removed - I tried everything.....Removed last year - big loss for me

Reply by
beautiful02

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If I have a judgement against me to which they are garnishing my wages, if I have a lawsuit for an injury pending, once it settles, will this affect my lawsuit although they are taking the money from my paycheck every 2 weeks?

Reply by
WALCOTT100

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how did you ahve them remove is there a form I have to fill out?

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I have 2 tax liens on my credit reports and found out that the state tax commision DOES NOT report this to any of the 3 credit reporting agencies, instead there are people who gather public information and sell it to credit bureaus and then it is added to the reports.  I found that if you hav a tax lien, and are making payments, usually the state tax commision will work with you to get the tax liens taken off your report by sending you an order for the credit bureas to eliminate it from your credit report.  All you have to do is send a copy of that letter with a letter requesting the removal of the tax liens and a copy of your ssn card, state issued I.D., and a copy of a recent utility bill with your name on it.  This can take up to 6 weeks to see results.

Reply by
dhbar123

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Explain the tax liens you are talking about.  I DO NOT have a tax lien for anything

1 Contribution
60 People Helped

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Be sure to check your state's statute of limitations on the reporting of judgements on your credit report. It can vary state by state.

1 Contribution
23 People Helped
Helpful to 23 out of 35 people

Usually, it is 6 years.

2 Contributions
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If I have a court judgement and don't pay it will it still be on after 7 years  my judgement was sept, 4 2007 that means in sept of 2014 it should be off correct

Reply by
ds94ta

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No. They can continue to try and collect until the judgement is showing as paid or satisfied.  I found this out the hard way. I have Capital One still coming after me on a judgement that I ignored because I had paid the account in full.  Now, they won't leave me alone and I have had to hire an attorney.  Don't ignore it as it NEVER goes away.

Reply by
kimd1007

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IF you pay off a collection on your report that say's it should come off 2/16 but you pay it off early, does the collection still stay on your report or does it reflect paid?

Reply by
ajahnae

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Zanzibar are you from Gary in?

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I have a collection agency that has been trying to collect on an old debt dates back to 2000 or earlier. I had a judgment against me in 2007 to pay $20 a month which doesnt even cover the intrest they charge so I've got no where with this debt, Im a single mom I cant afford any payments this collection agency has had a warrent out for my arrest Im at my wits end with this what are my rights on this? I have a court date coming up so I would like some advice as how to approach this matter.

Reply by
robb79

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You can not get arrested for owing credit cards or collection agencys money.  Thats just a tactic they use to scare you so you will pay your debt.

Reply by
Kromity

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You need to tape the phone calls when they threaten that you will go to jail. They can get fined. American Express is horrable at that..

Reply by
Dalekas

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You can not go jail for old debts.

Top Contributor

Reply by
kimlovesfl

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You need to report this agency to your state consumer affairs department, and to the federal government, and all of this can be done online. This is illegal and they can face huge fines. I would see if you could get an attorney to sue them for this, if you can find one to take this on a contingency basis. They DO NOT have a warrant out for your arrest, be assured of that.

Reply by
paughr

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It's actually against the law for them to tell you that you can be arrested for not paying a debt, however it's hard to prove that they said it in legal terms.

Reply by
scroog69

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Have the local police track down the father of your child and get his paycheck garnished.....! 

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Would anyone have the answer to this?  If you satisfy the judgement by making full payment or a settlement to the creditor, does that creditor have the right to report it as public record with any of the 3 credit bureaus?  These were past credit card debts...  I've gone through the painstaking process of paying off all my old charge offs and couple of creditors took me to court (i.e. Chase) because they wanted all of their money sooner rather than later.  I did this as opposed to fliling bankruptcy.  Reading some other credit card reviews, I find it odd that someone can declare bankruptcy yet people are getting approved for revolving credit based on some of the stuff I've read on this site.  Someone told me that you can petition the creditor once you satisfy the debt to have the public record removed from your credit report... Is that true?  These were obviously legitimate credit card debts so I don't want to "game the system" and dispute any debts that were legitimate but at the same time if I'm taking the reponsibility to pay those debts why should they remain on my credit report.  Any advice?? 

Reply by
rbtpartsman

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They do not have to remove the paid debt from your report until 7 yrs is up. However when I cleaned my credit up I made an agreement with the collection agency that if I paid the bill in full they would remove it from all credit reports. (an old phone bill) I even signed an agreement with that stipulation on it before I paid them a dime. Also, sometimes by calling the agency that put it on your report and talking NICE to them may get them to remove it. Or a nice letter sent to them. I like letters because I can put in nice words without getting upset on the phone,lol.

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 how long can a judgement stay on your credit report

Reply by
JJillHorn

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It's 7 years. I know for a fact. All my stuff from 7 years ago have started falling off. You will start getting calls to settle closer to the 7 year mark because they know they can't do anything after 7 years. Don't let them fool you into making a payment because if you do then it starts all over again and you have to wait another 7 years. It's 7 years from the date of your last payment. You can actually sue if it shows up on your credit report after 7 years and receive like $2000 for each one you catch. I know a lot about this. Comes straight from a lawyer.

Reply by
ladydimd

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7 to 10 yrs, to fall of your credit report. If not off by then request a copy of your report and let the bureaus know that it has been long enough.

Reply by
chiefster8

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to the best of my knowledge it's 7 - 10 years to fall off your credit report entirely. i'm not positive about that though. i would ask a tax attorney if you need to know for certain.....

Reply by
mychancelover

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Only a bankruptcy can remain for 10 years. Reason being, you can file for bankruptcy every 7 years. so to show your track record for new credit, you woud show a 7 year bankruptcy and a newly filed bankruptcy. at 10 years the 2nd one would be dropped.

Reply by
jcgonzo408

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My bankrupcy is still on after 9 years!   But, since that time I have gotten a 35,000 car loan   

only after 5 years...car loan only has 7,000 more to go!!!

Reply by
holtsj

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Im not sure but just a little heads up. I had a judgement placed on me by credit card company on Oct. 25,2005 which was showing on my credit report to fall off Oct. 2012. However one morning in Sept. of this year 2012 I had a man serve me with another summons from the same company with court papers, it stated to "REVIVE A JUDGEMENT" my court date was Oct 25, 2012 @10:30am. So even though a judgement can fall off the company can still take you back to court and add it for another 7 years. Just sharing what happened to me.

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Reply by
kimlovesfl

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Judgements stay on for 7 years, and if it close to the 7 years, I would ignore it and it will go away. I had a judgement on my credit file, and I had actually thought about contacting the agency, offering to pay 10% of what was owed, and setting up a payment system. We have a good friend who is also our attorney, and she told me to leave it alone. Sure enough, it went away last year, as did a lot of my bad debts (old credit cards), and my credit went up well over 100 points from that.

I now have a tax lien from when we owned a business in another state (the failure of this business caused all of my financial problems) that was filed in 2005. I called them a couple of years ago to try and pay this back, and they told me it would go away after 10 years. Their forms and requirements for setting up a repayment plan, and acceptance was not guaranteed, is so onerous that I decided to leave it alone and wait until May, when it should go away. Then, I can start house hunting!

Reply by
OKIECATGIRL

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I live in Oklahoma and it took 10 years for a bankruptcy to come off of my credit report so I think it depends on the type of judgement and the state you live in.

Reply by
OKIECATGIRL

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0 People Helped

I live in Oklahoma and it took 10 years for a bankruptcy to come off of my credit report

Top Contributor

Reply by
Moraxion

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This can be 7 to 10 years for this to fall off your credit report.  This, however, doesn't mean that you don't still owe the money.  You owe the money until it is paid, but there is a limit of time that they can sue you for the money.  In many states, this can be extended.  In IL, for instance, this is 10 years, but then they can refile to extend for an additional ten.  The bottom line is you should always pay or settle so you don't have it hanging over you.  Often times these old things, not on your credit report, can bite you when applying for a mortgage.

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Very helpful.  How can I get a detailed list of the liens and judgements that appear on my credit report.  I believe there are inaccuracies.  Thank you, Venturevan3

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Why does my report say Court Judgment? Should'nt it say Paid Court Judgement.?

I lost a small claims court case and the court has a option for you to give the court  the money and they pay the other party for you and so they took care of all it for a fee. It was four years ago.

Reply by
Lightning546

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@ jodydodson asked: was wondering if you would get your tax refund if u have a judgment on you?

That depends on how long it's been on your credit report, they can garnish your federal tax refund until the debt is paid in full. However they can't garnish your state tax return (if you live in a state that has a state income tax).

I am currently going through this exact situation for an illegal judgement that's on my credit report, the IRS started intercepting my tax returns and sending them to the state of Utah to pay the judgement. The state of Utah never sent me a court summons or any information to inform me that they were taking me to court. Since the judgement has been on my credit report for 7 years now, there's nothing I can do to dispute the validity of the debt.

Reply by
3nvy

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You will have to get an affidavit from the court showing the judgment was paid. Send a copy of this to the credit bureau so they can update your report to show that the judgment has been satisfied.  This judgment will stay on your report for another three years at this point being that the deliquency was first reported four years ago.

Reply by
2Kannegieters

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jodydodson - Yes, I know in NC you still do.

Reply by
jodydodson

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was wandering if you would get your tax refund if u have a judgment on you

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