Public records have a serious impact on your credit report. Identifying and disputing errors on your credit report yourself is challenging. An easier way? Enlist the help of an experienced credit repair expert like Credit Glory.
What are public records?
Public records happen when a creditor takes legal action against you. Any case that goes to court becomes a public record. While bankruptcies are often the only kind of public record that appears on your credit report, it's not the only one that affects you. Other public records that hurt your credit score include judgments, liens, lawsuits, and foreclosures.
How do public records affect your credit score?
Having a public record on your credit report seriously hurts your score. Depending on the record, in some instances, your score can drop over 100 points! The worst part? Negative public records stay on your account for up to 10 years — making loan approval (or even buying a new home) difficult. So what can you do?
Can you remove public records from your credit report?
Removing public records from your credit report is tricky. If the info is accurate — you have to wait until it expires. That can be up to 10 years! So can you remove them? If you can prove the record is inaccurate, you have options.
- Collect evidence - If you think a public record on your credit report as an error, gather evidence. Showing inaccuracies on the balance, dates, account number, or lender help you dispute the mark.
- Ask for verification - You have the right to dispute unverified debts. If you think a public record is on your report in error, have it verified. If the collection agency can't provide evidence, you have grounds to dispute it.
- Write a dispute letter - Sending a dispute letter to the three major credit bureaus (Equifax, TransUnion, & Experian) is your next course of action. Be sure to include what you are disputing, support your evidence for having it removed, and ask them to remove it. Keep in mind disputing inaccuracies yourself can be a challenging and lengthy process.
- Work with a credit repair company - A simpler alternative to DIY credit improvement is partnering with a credit repair company. Credit experts — like Credit Glory — identify errors and dispute them for you. Making the process easier (& less of a hassle).
Repair your credit yourself or w/ professional help?
Public records have a long-lasting affect on your credit. Luckily, you have options. You can check your credit report for errors and dispute them yourself — but this is hard (& time consuming). The easiest way to dispute errors (& boost your score)? Working with a credit repair expert (like Credit Glory) is easier (& faster).
Boost your score with Credit Glory
Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals is here to simplify everything! Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)
Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2021 and beyond.
Call us at (855) 938-3044 or set up a consultation to get started, today!