Your credit score is a very important part of your life in today’s world. From purchasing a home and getting better terms on a credit card to financing a vehicle and obtaining loans, the number in your credit score determines the terms that lenders are willing to offer. If there are negative public records or judgments against you, then your credit score will not have the influence you want it to have among lenders.


A judgment means that one of your creditors took you to court and you either did not show up or you lost your case. The court issued a judgment in favor of the collection agency or creditor, which was then added to your public record. Depending on the type of judgment, it could be removed from your credit report within several years or become a permanent addition.

Public Records

Public records include a variety of information about any given individual. For example, if you have experienced a divorce, it will be available in the public records, but it will not be included in your credit rating. Items such as bankruptcies, judgments, and tax liens, on the other hand, will have a significantly negative impact.

360 Credit Consulting understands how difficult it can be to reach out to a creditor or collection agency and try to find a solution that works for all parties involved. We are here and ready to help when you need to get help from the professionals. Call today to schedule a free consultation.