Collections Vs. Public Records

What is the difference?

Houston Credit Repair Expert, Vanessa Perry explains in the video below. The difference between a public record are how they are reporting on the credit. A public record can be classified as a judgment, tax lien, or bankruptcy. A collection is a debt that is sent to external collections and reported to the credit bureaus. A public record such as a judgment occurs when someone is taken to court over a collection and either does not attend court or does not have proper representation.

Judgments, Tax Liens, Bankruptcies Oh My!

Public records are not unrepairable, but also it is something to take seriously. Everything comes off your credit organically within 7-10 years. Items such as public records can prevent someone from purchasing a home or financing anything until it is off the credit.

Houston Credit Repair is Impeccable

Impeccable Credit Services has been in the credit industry for the past 15 years. Having a public record on your file does not mean credit restoration is not for you. It is actually the opposite. With a public record affecting your report and score, it makes you the ideal candidate for credit restoration. With a public record on your file, it is not unusual or out of the ordinary, we still are able to restore your credit to Impeccable potential. It is not hard, but it is time-consuming. If you do have a public record on your credit we do suggest weighing out your options and giving us a call especially if you are looking to buy or finance before 7-10 years of your public record being on your report. Give us a call or schedule online today for a FREE consultation to see what your options are and how we can help make your credit IMPECCABLE!