What is a public record?
A public record is defined as the original or copy of any documentary material in any form, to include written materials, books, photographs, photocopies, films, microfilms, records, tapes, computerized records, maps and drawings created or received by the Department in connection with the transaction of public business.
A public record is a file such as a bankruptcy, tax lien or judgment that is filed at the courthouse. Unlike your creditors, the courthouse does not report public record information to the credit bureaus. The credit bureaus must therefore rely on third parties or smaller local affiliated bureaus to go out and research this information. For purpose of fixing your credit, the laws that regulate the reporting of these public records are the same as any other item and are treated no differently in that regard.
Information on tax liens, lawsuits, bankruptcies and judgments that relate to the consumer’s debt obligations. Most public record items are listed for seven years including successfully completed Chapter 13 bankruptcies. Other bankruptcies are listed for 10 years. Tax liens are listed for seven years from the date paid.
Information on tax liens, lawsuits, bankruptcies and judgments that relate to the consumer’s debt obligations. Most public record items are listed for 7 years including successfully completed Chapter 13 bankruptcies. Other bankruptcies are listed for 10 years. Tax liens are listed for 7 years from the date paid.
