86: Derogatory public records
Public records include information filed or recorded by local, state, federal or other government agencies that is available to the general public. The types of public records that can affect your credit score include legal judgments against you, or tax liens levied by a government authority. Public records can have a significant negative impact on your credit score.
Pay all bills on-time and satisfy all judgments. The impact that negative items such as public records have on your credit score will diminish over time.