I suppose FICO 9 ignores the public record because not all the requirements are met to have it count from the third party who gets the info. Thanks for reponding. 
Well I'll take it....FICO 9 is what the auto dealer uses with our CU, works for me
@FireMedic1, myFICO skips negative reason codes on high scores, even though they're still technically present. I suppose that's because they cause people to freak out, even though all a reason code means is that a person can gain at least one more point in that area.
If you check scores through Experian, you'll see the negative reason codes, even with an 850 score. 