I was disecting my Exp Fico Score report and I noticed that under "what's hurting you Fico Score" it says "you have a public record AND collection on your credit repot" then when I go to the section that list "public records" it says "you have no public records". I have never had a BK, tax lein, judgement or any or any other public record in my entire life. Why is this report saying such a thing. BTW - this is the only report that has that line.