Credit reports and credit scores are different. The credit report contains information used by credit bureaus to determine a credit score. This information typically includes payment history on each account, other information contained in public records, and account summaries. Public records include tax liens and civil judgments.
But as of July 1, 2017, the "Big 3" credit bureaus - Experian, Equifax, and TransUnion - do not report tax lien and civil judgment information, unless it has your Social Security Number or birth date. Most judgments don't have this information. So these things may or may not appear on your credit report after that date, even if they previously did.
Credit scores predict how likely you are to repay a debt. The credit score gives a numerical score, an explanation of what the score means, and the top reasons your score was not higher. This could be as many as 4 or 5 reasons.
Learn more about these differences, and ways to improve your credit report and score, in this section of our website and in the Federal Trade Commission’s guide to building a better credit report.
Updated: August 2017