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how does public records affect my Fico score?

Member

how does public records affect my Fico score?

how does public records affect my Fico score?
I have two judjements from 04/2003 that are showing in my credit.
Thanks.
Message 1 of 7
6 REPLIES
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Moderator Emeritus

Re: how does public records affect my Fico score?

They are five years vold and will count against you as long as they are there.  The older they get the less they hiurt and the amount of damage done depends on the rest of your file.
Message 2 of 7
Senior Contributor

Re: how does public records affect my Fico score?

It is another fatal baddie that can haunt you for years and years.

It is a red flag waved in the eyes of any prospective creditor.

They need to be dealt with.
"Never ever, ever be late. Never" (FUTR)
Message 3 of 7
Member

Re: how does public records affect my Fico score?

how about if you pay them . can they be taken out.......but they still shows in my credit as(not paid)
Message 4 of 7
Moderator Emeritus

Re: how does public records affect my Fico score?

A paid PR will remain on your report even after it is paid.  Also, FICO does not distinguish between paid and unpaid PRs.
 
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App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. Smiley Surprised )
Message 5 of 7
Member

Re: how does public records affect my Fico score?

but does it take out poins iven if is already pay?
Message 6 of 7
Moderator Emeritus

Re: how does public records affect my Fico score?



chepito123 wrote:
but does it take out poins iven if is already pay?


Yes, it still deducts points for having a PR, even if it is paid.

 
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App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. Smiley Surprised )
Message 7 of 7