 TITLE: Understanding Your Experian Credit Report CONTENT: Public Records\n--------------\nBankruptcy is the only public record that will appear on your credit history. Bankruptcy is a legal proceeding under which a person is provided relief from debts they are unable to pay. There are two primary forms of bankruptcy filed by consumers: Chapter 7 and Chapter 13. They are called \"chapters\" because they are defined by chapters in the bankruptcy law. In a Chapter 7 bankruptcy, you do not repay any of the debt owed. Under Chapter 13 bankruptcy, you are responsible for paying back a portion of the debts that you owe through a debt repayment plan.\nIf your report contains public records, the Public Records section includes items from courts that Experian may have obtained through LexisNexis Risk Data Management Inc., a third-party vendor. You may contact them at LexisNexis Consumer Center, P.O. Box 105615, Atlanta, GA 30348-5108, or by visiting END