Now we get into public records and collections. The last building block for your FICO credit score are public records, collections, bankruptcies, foreclosures, judgments, liens, or any other collection items paid or unpaid. Lenders or collection agencies report most of the information in your report However, their credit bureaus have a third party source that called public records looking for bankruptcies, documented judgments and liens. In this case on this credit report, there are no public records. So they haven't had any bankruptcies, judgments, liens, foreclosures that are on the credit report.