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Debt Consolidation Forums US tax system and impact on debt

how long does a paid tax lien stay on your Credit Report?



smo65d11


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Sub: how long does a paid tax lien stay on your Credit Report?
Thu, 05/08/2010 21:09

My ex had a $326 state tax lien in California that was filed 12/97 while we were still married. I took out a loan 6/06 and found out about the lien which I paid just to get it off my record. How many years before it will be off my record, or is it even affecting my credit scores now?



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Sub: #1 California Tax Law states 10 years from when it was paid. Which Thu, 08/05/2010 - 21:09



California Tax Law states 10 years from when it was paid. Which means it could remain for additional 10 years.


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Sub: #2 Removing tax lien off credit reportFri, 05/21/2010 - 14:20



Quote:
Originally Posted by Anonymous
if its 7 years, then why is mine still on in 2009 when the tax year was 1999. this was a tax lein that was not correct and it cannot be fixed according to my state.


Contact whichever credit bureau reported the tax lien and tell them you want to dispute it. The Bureaus are required by law to investigate any disputed information. If the state cannot verify that the amount is correct, has not been paid, or that you own it then they have to remove it. It only took two weeks from the date I called to receive an updated report with a 1995 tax lien on it and I did it this year. Sometimes you have to get nasty with them and be firm about that fact that you want proof from the state that this has not been paid or that the lien is correct. Do not stop at one person's response that this cannot be fixed by your state. Every time someone from the state says it cannot be fiexed then tell him/her you want to speak to his/her supervisor. Everyone has a supervisor and even if it takes getting transferred a hundred times to someone else, keep doing it until this is resolved.
Best of luck


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Sub: #3 Had tax lien removedFri, 05/21/2010 - 14:07



Quote:
Originally Posted by smo65d11
ugghhhh well okay ... so has anyone here successfully had a paid tax lien disputed/removed?


Yes, I had my husband's tax lien from back in 1995 removed in March of 2010. It was paid in 1995, but when the tax debt was paid, the state failed to send that information to the county clerk, so that they could send him his release. They tried giving me the run-a-round stating that my husband had to pay another $75 to a county clerk in OH to have the release filed. Instead of paying the money, I contacted the credit bureaus and told and disputed it and told them it was paid back in 1995 and we wanted it removed. They are required to investigate the dispute. Two weeks after contacting the credit bureau, we received his updated credit report and it was deleted. If the state cannot verify that it hasn't been paid then they have to remove it from your report.

Best of luck.


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Sub: #4 state tax lienTue, 12/01/2009 - 12:26



Quote:
Originally Posted by smo65d11
My ex had a $326 state tax lien in California that was filed 12/97 while we were still married. I took out a loan 6/06 and found out about the lien which I paid just to get it off my record. How many years before it will be off my record, or is it even affecting my credit scores now?


that is a real good question. I know alot more about county tax liens, but I think I'm pretty close here.

I once asked my atty friend about how long a county tax lien can stay on the property. He said that it is 10 years, but then he also said something about how it can exist on the property for another 10 years, but I cant rememebr the state statue, also this is for FL.

Maybe there is a way that you can contact someone in the state dept in CA who may be able to help you.


smo65d11
smo65d11

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Posts: 1397
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Sub: #5 I communicated directly with the State Franchise Tax Board, I doThu, 10/15/2009 - 15:14



I communicated directly with the State Franchise Tax Board, I don't think that I had to dispute it through the credit bureaus.


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Sub: #6 smo65d11, Who (and exactly how) do you contact at the credit Thu, 10/01/2009 - 13:21



smo65d11,

Who (and exactly how) do you contact at the credit bureaus to get them removed? Do you mind shreding some light on it?

I just had a 2002 tax lien (from CA as well, about $500) just being paid in June (for the same reason you had --- getting mortgage). Not sure if it is too early but figure doesn't hurt to try.

In my case, I think the lien was removed immediately for which I received a formal letter.
I had used mycredithealth.com but now it looks like a total waste of money.

Thanks a lot.


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Sub: #7 smo65d11, Who (and exactly how) do you contact at the credit Thu, 10/01/2009 - 13:09



smo65d11,

Who (and exactly how) do you contact at the credit bureaus to get them removed? Do you mind shreding some light on it?

I just had a 2002 tax lien (from CA as well, about $500) just being paid in June (for the same reason you had --- getting mortgage). Not sure if it is too early but figure doesn't hurt to try.

In my case, I think the lien was removed immediately for which I received a formal letter.
I had used mycredithealth.com but now it looks like a total waste of money.

Thanks a lot.


smo65d11
smo65d11

Debt Samaritan
Posts: 1397
Credits: 13240.35

Sub: #8 have you paid the lien? Or does it remain unpaid?Fri, 09/18/2009 - 09:38



have you paid the lien? Or does it remain unpaid?


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Sub: #9 tax leinsThu, 09/03/2009 - 08:04



if its 7 years, then why is mine still on in 2009 when the tax year was 1999. this was a tax lein that was not correct and it cannot be fixed according to my state.


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Sub: #10 I am going to the same thing right now and tax lien does affect Sun, 05/17/2009 - 08:36



I am going to the same thing right now and tax lien does affect your credit score.I have been trying to get this delete off my report for 4 years.It is hard to get them deleted off your report before the 7 years from date file.Eqifax and transunion deleted after I paid it,but Experian won;t until the 7 years is over.


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