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.

All Comments

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3 Contributions
2421 People Helped

Helpful to 1678 out of 1792 people

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

3 Contributions
2421 People Helped
Helpful to 714 out of 784 people

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

4 Contributions
193 People Helped
Helpful to 175 out of 206 people

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

6 Contributions
381 People Helped

Helpful to 375 out of 414 people

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

1 Contribution
41 People Helped
Helpful to 41 out of 44 people

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.

2 Contributions
61 People Helped

Helpful to 56 out of 64 people

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.

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