TinfoilTrunk
New Member
Bankruptcies, child support, civil judgments, tax liens, foreclosures—ever had a public record that just won't go away? They're pretty common, since legal stuff like this shows up on credit reports. And it ends up on your report because the credit bureaus buy this info from companies like LexisNexis, which pulls it from Pacer.
The trick to getting it removed is a technicality: the credit bureaus list the furnisher of info as the recorder of deeds, clerk of courts, magistrate, or municipal court—none of which are actually the furnisher. That’s false reporting and a violation of the FCRA, so it’s a solid reason to get any public record removed.
Want to use that technicality to get it gone? I’ve got you. Here’s how you do it:
But wait! Before you proceed, fix the personal info on the file—like removing old addresses or correcting names with the bureaus first. That’s because, in the next steps, they’ll match your SSN, name, and address with the public record. So wiping any info tied to the public record boosts your chances of deletion.
The bureaus usually respond back with a deletion because they know you’ve got a potential violation if they don’t remove it.
Hope this helps!
The trick to getting it removed is a technicality: the credit bureaus list the furnisher of info as the recorder of deeds, clerk of courts, magistrate, or municipal court—none of which are actually the furnisher. That’s false reporting and a violation of the FCRA, so it’s a solid reason to get any public record removed.
Want to use that technicality to get it gone? I’ve got you. Here’s how you do it:
- Get a Pacer account.
- Pull your LexisNexis report, then compare the info with what you find on Pacer.
- Find the inconsistencies and dispute those with LexisNexis.
But wait! Before you proceed, fix the personal info on the file—like removing old addresses or correcting names with the bureaus first. That’s because, in the next steps, they’ll match your SSN, name, and address with the public record. So wiping any info tied to the public record boosts your chances of deletion.
- Dispute th public record with the bureaus.
- If or when the bureau verifies the info, send a simple letter to the clerk of court where the public record was filed.
- Then send a copy of the clerk's response to the credit bureaus, along with your letter. In that letter, let them know that the reporting requirements don’t comply with FCRA Sec 611, so the info must be deleted immediately.
The bureaus usually respond back with a deletion because they know you’ve got a potential violation if they don’t remove it.
Hope this helps!