Offers an explanation about a particular trade or public record item on your report, and it displays with that item on the credit report. (smartcredit.com)
Public records items don't impact your credit score, so if you are looking for a clean report sooner rather than later, you should try and settle. (videocreditscore.com)
Your missed payments and most types of public record items will remain on your credit report file for 7 years, with the exception of Chapter Seven, Eleven and Twelve bankruptcies, which remain for ten years, and tax liens that remain unpaid, which will remain on your credit file for up to fifteen years. (consumerbadcreditguide.com)