Doug's Credit Center Blog

Get Inaccurate Public Records Removed from Your Credit Report

When it’s time to buy a new car, most people spend time researching vehicle models and features and may even take time to look into different auto financing options. However, one of the most important steps you should take before finding an auto loan is to check your credit reports from all three of the major credit bureaus – Equifax, Experian and TransUnion. If there are errors on your reports, you will need to know how to remove public records from your credit reports before you apply for your auto loan.

You can remove public records from your credit reports, but only if those records are incorrect or are out of date. Public records, such as collections, judgements and bankruptcies, can remain on your credit report for as long as 10 years. Reviewing your credit report gives you the chance to ensure that older records that should be removed have been. It also gives you the chance to get errors corrected.

If you find out-dated or incorrect information on one of your credit reports, follow that agency’s instructions for filing a dispute. The agency then has 30 days to investigate your claim and either validate the record or remove it from your credit report. If you have not heard back from the credit bureau after 30 days, contact them again. Keep following up to ensure that they have removed the public records that should not be on your credit report.

There are some law firms that can offer assistance in cleaning up your credit report, so if you are still having difficulty after several attempts at working with the credit bureau, this is an option you could consider. Attorneys may be able to accomplish some things that you cannot do on your own. However, you should be cautious before paying anyone to remove public records from your credit report. While there are legitimate companies offering this assistance, many of them are scams. There are no quick ways to remove negative public records from your credit report if they are accurate, so be wary of anyone guaranteeing you that they can clean up your credit report if it is truly in bad shape. Only time and effort on your part to take positive steps in the way you manage your finances will improve your credit score.

Clearing your credit report of public records that do not belong there will make getting an affordable auto loan much easier. While it takes some time, it is worth the effort to check your credit reports and get errors corrected before you apply. Then, when you’re ready to buy a new car, you’ll sail through the process quickly and easily.

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