Posts Tagged ‘ public record ’

Judgment will still appear on report once satisfied

Dear Experian, I had a judgment filed against me in June of 2010. When I found out, I contacted the bank and settled with them. Why does it still show a judgment on my credit report? - SYZ

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How long do paid public records remain on your report?

Dear Experian, Why is there still a public record on my account that has been paid off for four and a half years? - NDR

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Tax lien automatically updated to show it is satisfied and released

Dear Experian, I have a tax lien on my report that has been satisfied and released by the State of Ohio and the clerk of courts. How do I report this to Experian and have my credit report show the release of the lien? - RGK

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Bankruptcy will show in your credit report even though it was dismissed

Dear Experian, We filed for Chapter 13 Bankruptcy in June 2009. The Bankruptcy was never approved or discharged, but was dismissed a few months later. We dealt with all of our creditors individually after that. Does the Chapter 13 stay on our credit report even though it was never approved by the court? - DLV

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Credit denied due to bankruptcy public record

Dear Experian, My husband and I had our bankruptcy discharged in March 2012. We are still getting refusals for any type of credit we have tried to apply for, no matter how small. We have one credit card we have never been late on. It has a limit of only $1,500.00, and we have always paid it off so have not been charged any interest. Our denials all state “due to public record.” - BDJ

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The meaning of “derogatory public record”

Dear Experian, My credit score states "time since derogatory public record or collection is too short." What is a “derogatory public record”? - JTR

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Paid court judgments updated automatically, not deleted immediately

Dear Experian, I was told by the circuit court that Experian would have to come in and pull the satisfied judgment in order to remove it from my records. Is this correct? - CAG

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Judgments against tenant will be reported automatically

Dear Experian, As a small business, how do I report to credit agencies a judgment awarded to us against a tenant? - OGI

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Public records that can appear in your credit report

Dear Experian, What kinds of public records can be part of a credit report? How often are they updated, and if I have a paid public record on my credit report, how do I get it taken off? - AMB

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Satisfaction of judgment will not cause the public record to be deleted

Dear Experian, I have two public records that appear on my credit report that I have paid off. Would submitting a satisfaction of judgment to the credit bureaus take those off of my record? - JKI

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Accounts in bankruptcy deleted before the bankruptcy public record

Dear Experian, When they say bankruptcy information will be removed from your credit report after seven years, does that mean all of the information related to the bankruptcy will be removed? - NMC

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Tax liens and your credit report

Dear Experian, I have tax liens showing on my credit report, but have taken care of them a long time ago. I have documentation showing that they are paid, but I don't know how to get them off my credit. What do I do? - UBB

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How long public records stay on your credit report

Dear Experian, How long do public records – tax liens specifically – stay on your credit report? One source I checked says seven years after the date of filing but another source says seven years from the date paid. - EDP

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