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How bankruptcy, civil judgments and tax liens affect your credit report

January 16, 2020

Since the National Consumer Assistance Plan went into effect in 2017, public records must meet strict requirements to appear on consumer credit reports. Civil judgments and tax liens do not meet these new requirements, so they were removed from credit reports. At this point, the only derogatory public record that should appear on your credit report is bankruptcy. If a tax lien or civil judgment still appears on your credit report, you should dispute that record with the credit reporting agencies.

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