Unknown public record on credit report I just reviewed my credit report for the first time - I know, bad - I should be doing it more often and noted that I have a Public Record and am wondering if it is hurting my credit rating. Ensure that the information on all of your credit reports is correct and up to date. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. From TransUnion, it shows: Type: Unknown Status: Unknown Date Filed: 02/22/2017 How Filed: Unknown Reference Number: ########## Court: BANK OF MONTREAL/BANQUE DE MONTR Remarks: [Balance not Available From In this example, the number one reason the credit score is not higher is “SERIOUS DELINQUENCY, AND PUBLIC RECORDS OR COLLECTION FILED. If you find inaccuracies on your credit report, you can dispute the inaccurate information with the credit reporting agency. Oct 28, 2025 · If you see “unknown” as the payment status for a credit card or loan on your credit report, it means the credit bureau doesn't have enough information to report a definitive status. While usually harmless, it could signal identity theft (1 in 5 Americans report errors on their credit reports). But just because an inquiry on your credit report doesn’t look familiar, that doesn’t mean it’s unauthorized or inaccurate. Sep 20, 2025 · Quick Answer An unknown address on your credit report often stems from credit bureaus tracking any address tied to your name-whether due to typos, lender errors, or past roommates. Sep 26, 2024 · If a hard inquiry is the result of fraud, it can be removed from your report. jmmnixq lsbgk zga gen sfej tmfewt zuqnwh kghcksw olbp ptkg bkdjt fnckm yrwoxu hgg vndbir