Public Record

Your credit report contains several types of information, including your payment history, current and past credit accounts, and public records related to your financial management. Public records such as tax liens and bankruptcies can affect how lenders perceive your credit status, and can be a factor in a lender’s decision not to give you credit.

What Types of Public Records Appear on a Credit Report?

  1. Bankruptcy filings
  2. Tax liens
  3. Civil judgments

Public records are updated regularly with information from the courts. Keeping current with all bills is the best way to avoid derogatory items becoming public records and hurting your credit report/score.

Public Records That Can Appear in Your Credit Report

July 13, 2016

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...

How Long Paid Public Records Remain on Your Report

August 13, 2013

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

The Meaning of “Derogatory Public Record”

August 29, 2012

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