Public Records Standards


Tax Liens Removed from Credit Reports

Last year, Equifax, Experian and TransUnion (the “NCRAs”) announced and implemented enhanced standards for the collection and timely updating of public record data included in consumer credit reports as part of the National Consumer Assistance Plan (“NCAP”). Upon implementing the NCAP enhanced standards for public records, the NCRAs removed all civil judgments and the majority of tax liens from their consumer credit reporting databases as of July 2017. Upon an ongoing review and monitoring of tax lien data, the NCRAs have now decided to cease reporting tax lien data and remove all remaining tax liens from their consumer credit reporting database to ensure compliance with the enhanced standards of the NCAP.

Effective the week of April 16, 2018, all tax liens will be removed from consumer credit reports.

NOTE: Bankruptcy public record data will continue to be reported.

In response to these recent changes, Universal Credit offers a Liens & Judgments Solution that can be ordered with your credit report!

Our Liens & Judgments Product will ensure you continue to receive the data you need to mitigate underwriting risk. We offer Leading-edge technology that identifies information from nationwide credit bureaus, expansive public records, and hundreds of other data sources that are linked to provide a comprehensive liens and judgments report.

Call your Universal Representative today to find out more.

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