11d • Q&A Credit Repair
Public Record Removal Guide
Got a Bankruptcy or Judgment on Your Report? Here’s How to Legally Challenge Public Records 👇
Public records like bankruptcies, tax liens, and civil judgments can destroy your credit for years — even after they’ve been resolved.
But here’s what most credit repair services don’t teach you:
These records are often unverifiable under FCRA and can be challenged just like collections or charge-offs.
Let’s break down how to challenge and remove each type of public record 👇
💣 1. Bankruptcy (Chapter 7 or 13)
📉 Credit Impact:
- Stays on your report 7–10 years
- Shows in all 3 bureaus
- Red flag to lenders
✅ Challenge Strategy:
- LexisNexis and PACER are the sources — bureaus don’t go to court
- Dispute with LexisNexis first, then the bureaus
- Use Method of Verification letters:“Who verified this with the court? Please provide name and contact of person who confirmed this with the clerk.”
💡 Key Tip:
Most court clerks will not verify anything — this opens the door for deletion.
🧾 2. Tax Liens (Federal or State)
📉 Credit Impact:
- Most were removed from public reporting in 2017, but older reports may still show them
- Can affect business and mortgage underwriting
✅ Challenge Strategy:
- Request release/withdrawal from IRS (Form 12277)
- File dispute citing incomplete or inaccurate info
- Ask for verification source and legal authority to report
⚖️ 3. Civil Judgments
📉 Credit Impact:
- From unpaid debts, lawsuits, or evictions
- Shows as “Public Record” on credit reports
✅ Challenge Strategy:
- Check for exact case #, court name, judgment amount
- If ANYTHING is incorrect → dispute as incomplete or inaccurate
- Bureaus often can’t verify directly with the court
🛠️ Tools to Use:
- ❌ Method of Verification Letter
- ❌ 609-Style Letter Requesting Source of Verification
- ❌ CFPB Complaint if no response within 30 days
- ❌ Freeze LexisNexis before challenging bankruptcy
Below are your:
- Bankruptcy Dispute Letter
- Tax Lien Dispute Letter
- Civil Judgment Dispute Letter
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Public Record Removal Guide
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