Public record
Credit scores & reportsInformation from public sources, such as court judgments, that appears on your credit report.
Overview
Public records can include CCJs, insolvency, and other legal events.
These entries are significant and can affect borrowing decisions.
Why it matters
- It can strongly influence lender decisions.
- It can lower your score for a period of time.
- It is visible to many lenders.
FAQs
How long do public records stay on my report?
It depends on the record type, but many stay for several years.
Can a public record be removed?
Only if it is incorrect or set aside by the court.
Related terms
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