Public records are information pertaining to legal matters that have a direct impact on your finances. They list things like paid and unpaid debts, legal liabilities, and your payment history. They tell a creditor if you are a good risk for a loan. When you are taken to small claims court and a judge makes a ruling against you, this judgment is considered a public record. Foreclosures, bankruptcy, liens, judgments, and lawsuits are all public records that the government is required to file and keep available for the public. Most records stay on your credit report for 7 years however some may remain as long as 10 years.
Table of Contents
- 1 Keeping Information Off of Public Records
- 2 What Kind of Information is Included in a Public Record?
- 3 What Information is NOT Part of Your Public Record?
- 4 How are Public Records Made Public?
- 5 Do Public Records Affect Your Credit Score?
- 6 How I Deleted Public Records and Raised My Credit Score Over 200 Points
- 7 What You Can Do About a Public Record
- 8 Best Practices
- 9 How I Messed Up My Credit Score
- 10 I Took Control of My Credit Report
- 11 Bankruptcy Removed from My TransUnion Credit Report:
- 12 Client Testimonials:
- 13 Discount for Family Members, Couples, and Active Military!
- 14 Get Public Records Removed Now!
Keeping Information Off of Public Records
If you are facing small claims court or some other kind of financial dispute, it would be beneficial to you to settle out of court and avoid a public record on your credit report. It is usually better to deal with your creditors directly if possible. Adverse records can affect your credit score whether they are paid or unpaid. Public records on credit reports usually relate to financial matters. If you have a criminal history, it is not a public record that will be included in your credit report. It is illegal for credit reporting agencies to use your past criminal history in deciding your credit score.
What Kind of Information is Included in a Public Record?
If you file for a bankruptcy, the amount the court found you legally responsible to pay will be listed. There will also be an exempt amount. This is the amount the court says you are not responsible to pay. Lastly, there will be an asset amount for the amount of personal assets the court used to make its decision. These will all be listed under the bankruptcy and are the kind of public records that can significantly lower your credit ratings and affect your borrowing power.
Some other things that you might find in your public records might be things you consider personal, things like if you have had financial counseling, a financial statement, garnishments, and financial marital claims from a divorce. However, all of these things affect your income and so they affect your credit.
What Information is NOT Part of Your Public Record?
You may feel like your whole life is on display, but it’s not entirely. There are a few categories of strictly confidential records which are protected by law. Confidential records include welfare benefits, income tax, your education level, and medical and criminal records. These records are kept confidential because they contain Social Security numbers, your contact information, health history and your financial information.
How are Public Records Made Public?
The government takes making public records available to the public very seriously. It runs a service called PACER that is provided by the federal judiciary. PACER is short for Public Access to Court Electronic Records. This is an electronic public access service. It lets users get case and docket information from federal appellate, district and bankruptcy courts, via the Internet.
The federal website for PACER says that it currently hosts over 500 million case file documents. These are available immediately after they have been electronically filed. This is one of the ways your records become public records. This also allows your information to be reported to the three credit reporting agencies.
Do Public Records Affect Your Credit Score?
Public records on your credit report have an impact on your credit score. They can be a deciding factor when a lender is making a financial decision. Having them removed once they are on is a time-consuming job. If you have records that are dragging your credit score down get professional help to have them removed. It is always better if the public records portion of your credit report is empty.
How I Deleted Public Records and Raised My Credit Score Over 200 Points
Have you been taken to small claims court and lost? If so, you probably have a public record of some sort on your credit report. This can appear in the form of judgments, bankruptcies, and tax liens. A public record on your credit report can lower your score substantially and be a headache for a long time. Removing a public record from your credit report can increase your score and provide you with peace of mind. A public record item on your credit report can be one of the most annoying and time-consuming items you can deal with. Not only do you have to be involved in judicial proceedings, but the public record may remain on your credit report for as much as 7 to 10 years.
What You Can Do About a Public Record
If you have a public record showing up on your credit report, you can still attempt to dispute the information in order to have it removed. However, since public records also involve government agencies and courts, there are some additional steps that need to be taken in addition to disputing the information to the credit bureaus.
You can attempt to contact the agencies that are reporting your public records and ask them how long the item will remain on your credit report. A good law firm that specializes in credit repair and counseling may be one of your best options since they know the techniques required to get items removed from your credit report.
If you have not had a public record of some form appear on your credit report yet, you should try to take the necessary steps to avoid it. If someone is planning on taking you to small claims court in order to collect money, it is wise to try to settle with them before it gets to that point. Odds are, you will have to pay the money to them anyway and you would be better of to avoid the credit report headache that can come with having judge-mandated judgments, liens, wage garnishments, or bankruptcies on your credit report. It is almost always better to deal with your creditors directly as opposed to getting the courts involved.
How I Messed Up My Credit Score
I lost my job a few years ago when my company went bankrupt. As I result I had to pass through some tough times financially. My bills piled up and I couldn’t make my monthly payments anymore. Eventually, I had racked up major credit card debts that I could not pay and my accounts were sent to collection agencies.
I started getting phone calls from collection agencies at all hours of the day. The harassment was an embarrassment. Finally, I filed for bankruptcy and the creditors stopped hounding me, however, the bankruptcy caused major damage to my credit.
I Took Control of My Credit Report
My bad credit prevented me from living my life the way I wanted to. I couldn’t qualify for a home loan or a car loan. I couldn’t go on vacations because my credit was too low to secure financing for anything.
One day I was talking to a friend of mine about my plight and he told me about Lexington Law Firm. He said he had been in a similar situation and was able to greatly improve his credit score by working with them. I had my doubts, but I didn’t have many options so I gave Lexington Law a shot.
I called 800-220-0084 and talked to a very helpful credit counselor who gave me some really good advice. I decided to sign up and am happy that I did. They went to work quickly and before long I was receiving letters in the mail informing me that negative items had been removed from my credit report. My credit scores have continued to climb since I first joined Lexington Law. I was finally able to buy a new home and my finances have been great ever since. (See below.)
Bankruptcy Removed from My TransUnion Credit Report:
I can’t even begin to tell you how grateful I am that I found Lexington Law. I was finally able to purchase my first home and my financial life has been great ever since. My credit scores have improved significantly since there are no longer any negative accounts on my credit report. Here’s a snapshot of my credit scores:
“I have to admit I was a little skeptical at first, but after seeing what you were able to do with my credit after only a few months, it is very reassuring. Thank you for everything that you are doing for me and please pass on to your staff my appreciation for all of their hard work.”
— T.B., Lexington client
“Thank you for your service. I have had great results from the work you have done on my behalf. I had been warned not to use any credit repair company, but after some research I Decided to give Lexington a try. The results have been better than expected. Several items have been deleted from my credit report and more importantly my credit score has dramatically improved. I was recently approved for ‘best rate’ financing on a new car and a home construction loan. Thanks.”
— B.K., Lexington client
You can read hundreds of client testimonials and even watch some very inspirational client video testimonials here:
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