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How Long Does Public Records Stay On Your Credit Report

Public records, such as bankruptcies, civil judgments, and tax liens, can significantly impact your credit report and overall credit score. Typically, bankruptcies remain on your credit report for up to 10 years, while civil judgments and tax liens can last for about 7 years. However, it's essential to note that laws and reporting practices can vary by state and credit bureau. Understanding how long these records stay on your credit report is crucial for anyone undergoing background checks, as they can affect loan approvals, employment opportunities, and rental applications.