Answers

Knowledgebase Home | Favorites | Forum Welcome to our knowledge base. To find what you're after, use the search box below or choose a category to view listed articles. Search the Knowledgebase Browse by Category [Advanced Search] -- Select Category -- Credit MythbustersLoans    - Personal Loans    - Auto Loans    - Home Loans    - Student LoansCredit CardsCredit Reports and ScoresCredit Report CardIdentity TheftDebt HelpConsumer Law Guide    - College Cost Reduction and Access Act    - Credit Card Accountability Responsibility and Disclosure Act (CARD Act)     - Credit Repair Organizations Act (CROA)    - Equal Credit Opportunity Act (ECOA)    - Fair and Accurate Credit Transactions Act (FACTA)    - Fair Credit Reporting Act (FCRA)    - Fair Debt Collection Practices Act    - Overdraft Rules for Debit and ATM CardsCustomer Support The article has been updated successfully. Knowledgebase Home > Credit Reports and Scores What is public record information? Article Details Last Updated 13th of April, 2010 Would you like to... Discuss Print this page Email this page Post a comment Subscribe me Add to favorites Remove Highlighting Edit this Article Quick Edit Export to PDF User Opinions (3 votes) 66% 33% How would you rate this answer? Helpful Not helpful Help us improve. Why was this unhelpful? Thank you for rating this answer. Public record information is different from loan and account records. First off, there are no lenders to report it. Courthouses aren’t staffed to send in all of your credit-related public records to the credit bureaus. Second, not all public records make it on your credit reports. In fact, the majority of your public records never grace the pages of your credit reports. Only public records that are of interest to lenders are listed on credit reports: 1) bankruptcies, 2) judgments, and 3) liens. While there are many other examples of public records (divorces or property taxes, for example), when it comes to credit reporting, those are the only three that matter. You might have a public record on your credit report if you filed bankruptcy; if a lender sued you and won; or if the IRS filed a tax lien against you. You have a right to look up these records with your local courthouse -- and so can anyone else. It’s public!  Note: There are never any good public records reported to the credit reporting agencies. They are always bad news. Learn how public record information gets onto your credit reports given that there are no lenders to report it. Want to know where you stand? Check your credit reports and scores online today! Related Articles How does public record information get on credit reports given that there are no lenders to report it? What is a collection account? What makes up a credit report? What are credit and fraud monitoring? How often do the three credit bureaus report changes to my credit? Continue