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Public Record FICO points


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From my personal experience, my public record, a paid tax lien has made my score suck big green donkey [EXPLETIVE DELETED].

Although my score has improved in the past year, I still get the chorizo from that public record even though it is almost seven years old.

Like, each time a credit app is turned down, that public record is almost always stated as one of the reasons for turning me down.

It is a big red flag even though I paid it off a long time ago and that I have numerous paid installment loans and almost all of my credit items show up as NEVER LATE.

Now that I have such a good credit history and a good mix, my score wouldn't really go up too many points once it is removed. However, that stigma of a public records plagues me to this day...

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