How to Get Rid of Public Records on Credit Report

What Are Public Records On Credit Report Files & How Can You Remove Them?

Public records on credit reports are records which are viewable to the wider public as well as just any lender or employer who might pull your credit file. In the main such reports are comprised of court ordered wage garnishes, other civil court judgments, bankruptcies, foreclosures and federal tax liens. Also, notices of bankruptcies and certain civil judgments are published on publicly available databases and in print publications.

How To Get Public Records Off Credit Report Files

Disappointingly for people looking at how to get public records off your credit report, this is usually not possible. Public records on credit reports are both severely detrimental to overall credit ratings and removable only after allocated periods of time. That said, whilst public records such as foreclosures will fall off credit reports after seven years, public records such as bankruptcies and tax leins can remain on credit reports indefinitely.

All this being the case, when it comes to how to get public records off credit report files, the best thing which people can do is settle debts as quickly as possible, whilst at the same time rebuilding their credit score via sensible and timely bill payments. Paid tax leins for example, are legally required to be removed from credit reports after 15 years of the original filing date. Rather then, than have public records sitting on your file definitely, it is worth demonstrating to potential new creditors that although you have had judgments made against you in the past, you have acted sensibly to service such judgments.