Posts Tagged "public record"

Experian credit report does not include eviction reports

Dear Experian,

An eviction is showing on my credit report, per the leasing company I submitted an application to. I have never received paperwork for an eviction, but when I contacted the courts, they show an eviction was filed against me and dismissed. They say there is no judgment against me. How can I go about removing this as it’s preventing me from finding new housing because it doesn’t show “dismissed” on my credit report.

– LPT

When bankruptcy public records are removed from your credit report

Dear Experian,

I filed bankruptcy in 2005. It is still showing on my credit report – in 2014. How do I get it removed?

– CJN

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

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

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

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

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

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

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

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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