Josh: Okay. Explain the impact of public records.

Samira: Public records are judgments and information that is available to anyone in the public about you. If you were evicted, for example, as a tenant and they have a judgment against you, then that may show up on the credit. If you had a foreclosure, it’s going to show up as a public record and the same thing is true with bankruptcy, but public records are very important. If you have an IRS lien it’ll show up, and those are things that need to be dealt with and the only way to get your credit back is to deal with it and have someone guide you. Don’t take it, because people tend to beat themselves up for it and they don’t need to do that.