One of the four main components of credit data in a credit report includes public record information.  Public records include items such as bankruptcies, tax liens, legal judgments and other legal proceedings recorded by a court.  These records are often the biggest drags on a credit score.  Some of these accounts may be able to be cleared up or removed from the credit history or credit report with a little bit of work.  Most of these public records unfortunately, can not be altered or … [Read more...]