How can public record items be removed from a credit report?
If the item is incorrect, misleading or obsolete it can be disputed. If the bureau cannot verify the disputed information, it must be deleted from your credit report. If a lien or judgement has already been paid, but the report reflects it as being unpaid, you should contact the original creditor and request a discharge form. That discharge form is then submitted to the court clerk to be recorded, and a copy of the recorded document sent to the credit bureau as evidence that the lien or judgement has been satisfied. However, if the item is correct it will remain on the report for seven years (chapter 7 for 10 years).
