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What is public record information?
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Last Updated
13th of April, 2010

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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!



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