A personal fact is some fact you hold that is indisputably the truth. Even if others verify it (and if your personal experience is questionable, remember that you've personally verified all these other people exist), it's still a fact that you hold. There is nothing inherently flawed about our personal experiences. Some can be mistaken, but 'missed' takes happen. The bottom line is that we can and do hold facts.
You can verify it further all you want, but that's further to the initial verification, which is objectivity. A belief is justified for simply having good reason to have it (good reason usually is just truth).
To know is for something to actually be true that you also happen to justifiably think is true. All bachelors are male. So, you'd better get out there and start independently verifying that every bachelor is male (a more difficult task in this modern world). I'll just wait here.