Doug's Credit Center Blog

How to Remove Public Records from Credit Report Yourself

Seeing public records on your credit report is never a positive situation. Failing to get a car loan after bankruptcy and other issues mean that you are in a lot of trouble with money. You could have problems getting approved for a:

  • Car loan
  • Mortgage
  • Student loan

Therefore, you want to learn how to get those public records off of there yourself.

The Short Answer

Ultimately, you cannot just remove anything from your credit report. The various entities from which you have bad credit auto loans and credit are the ones that report your scores to the agencies, and then they put the scores on your credit report. You have no way to change them without going through one of these agencies or a third party. If you fail to do so, then you are not going to accomplish your goals.

Contact The Agencies

Before you go on to another step, you should contact the various agencies. Find out if any way exists for them to remove the mark. For example, let’s say that you owe a huge amount of money on one particular credit card. Instead of never making a payment again, you should ask the agency if you can make one huge payment. By doing so, you may be able to have all of the marks removed from your credit report. Then, you do not have to wait a long time to be free of this problem.

Other Agencies

Sometimes, you will have to go an entirely different route. You may just have to pay back the money that you owe. Sometimes, you are just not able to get around this fact because you do actually owe the money to a particular entity. Of course, if you feel that the charges are unfair, then you might need to contact a lawyer. You can look into settling this debt too. Debt settlement is a process that many people choose to do through so they do not have to deal with the markings on their report anymore. Please be advised that this type of settlement could actually negatively hurt your credit report, so doing your research is wise.

Removing public records from your credit report is definitely a goal you want to have for yourself. When your credit report is a mess, you could wind up with some really serious issues in the near future.

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