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Samantha has had a rough year and has spent a lot of time in local courts. Which court-related public disclosure is omitted from her credit report?

A) Bankruptcies
B) Liens
C) Judgments
D) Arrest Records

User ONOZ
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1 Answer

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Final answer:

Arrest Records are the court-related public disclosure omitted from Samantha's credit report, as they are either not included by credit reporting agencies or are excluded if older than seven years without a conviction.

Step-by-step explanation:

The court-related public disclosure omitted from Samantha's credit report is D) Arrest Records. According to the Fair Credit Reporting Act (FCRA), credit reports are not allowed to include arrest records that are more than seven years old, assuming they were not followed by a conviction. Additionally, many credit reporting agencies choose not to report arrest records at all because they are not a direct measure of creditworthiness. Bankruptcies, liens, and judgments can be included in credit reports as they directly relate to an individual's financial responsibility and credit history.

User Ratojakuf
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