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Help removing State Tax Lien - CFPB complaint

New Visitor

Help removing State Tax Lien - CFPB complaint

Hello, 

 

I have a state of GA tax lien I am trying to get removed from my report. Ive researched that a lot of people have had success going through the CFPB. Can anyone tell me what you included in your complaint to have success? Some have said they simply attached documentation showing they were no longer delinquent. While others have shown the lien was in error. My lien is not exactly in error, although I dont recall ever receiving notice about the possibllity of a lien. I will state that but the lien has since been paid and released and reports reflect that. Any help is appreciated! Thanks!

Message 1 of 30
29 REPLIES
Valued Contributor

Re: Help removing State Tax Lien - CFPB complaint

Try a CRA dispute as "not a consumer credit transaction" -- I haven't done this yet but others have said it worked great.

 

Experian appears to delete tax liens on any dispute.  You could probably dispute as "I had a turkey sandwich" and EX probably will delete the TL.

FICO8FICO8Visit my posts:
03/1712/17My 11 Rules to Credit RebuildingFree FICO Scores!
550EX
570TU
559EQ
710EX
701TU
734EQ
FICO alert: why did my credit score drop???
Message 2 of 30
Frequent Contributor

Re: Help removing State Tax Lien - CFPB complaint

This could be of interest to you. give it a read http://blog.myfico.com/upcoming-data-purge-fico-scores/

As of 6/30/2017 - EQ:598 TU:589 EX:645 GOAL:750 All around the board
In the Garden since 12/16/2016~ Gardening until 7/1/2018

"You will receive better cards as your profile improves and any baddies fall off. It's just a process like climbing stairs. As your profile improves, you are able to go to the next level of cards. - baller4life
Message 3 of 30
Member

Re: Help removing State Tax Lien - CFPB complaint

Lol I forgot to add I did try to dispute Online last year. Don't think I used that reasoning though.
Message 4 of 30
Member

Re: Help removing State Tax Lien - CFPB complaint

This was the best article I've read explaining the new rule, I've heard about the new rule but disnt quote her if it would help me. I guess my only issue now is the part that says " previously reported tax liens and/or civil judgments that do not meet the new reporting requirements will be removed from the credit file." I'm not sure if my lien fails to meet the new requirements. My scores are 689EX/719TU/703EQ so they're not horrible. But we're trying to buy a house in September so idk if I should wait or jump on this complaint.
Message 5 of 30
Member

Re: Help removing State Tax Lien - CFPB complaint

*excuse typos I'm On my phone
Message 6 of 30
Valued Contributor

Re: Help removing State Tax Lien - CFPB complaint

Pt3L -- 700 FICO with a tax lien reporting is still fantastic!  Any data points on that lien, such as:

 

  • When was it filed?
  • Was it paid in full and when was that paid?
FICO8FICO8Visit my posts:
03/1712/17My 11 Rules to Credit RebuildingFree FICO Scores!
550EX
570TU
559EQ
710EX
701TU
734EQ
FICO alert: why did my credit score drop???
Message 7 of 30
Member

Re: Help removing State Tax Lien - CFPB complaint

Tax year was 2010. Long story short I was unemployed and stopped on my payment plan. I actually feel like I paid the debt off in 2012 but I wa a young so I can't find my records. Anywho The notices start coming in sometime in 2015. I paid it off in OCT 2015. it says reported on aug 2015
Message 8 of 30
Member

Re: Help removing State Tax Lien - CFPB complaint

Didn't know a lien was even an issue because they kept telling me I had until a certain date to pay. I paid before that date.
Message 9 of 30
Frequent Contributor

Re: Help removing State Tax Lien - CFPB complaint

Id go ahead and do the complaint just in case. Because complaint or no complaint  if its eligible to fall off in July it will fall off regard


Pt3L wrote:
This was the best article I've read explaining the new rule, I've heard about the new rule but disnt quote her if it would help me. I guess my only issue now is the part that says " previously reported tax liens and/or civil judgments that do not meet the new reporting requirements will be removed from the credit file." I'm not sure if my lien fails to meet the new requirements. My scores are 689EX/719TU/703EQ so they're not horrible. But we're trying to buy a house in September so idk if I should wait or jump on this complaint.


less. 

As of 6/30/2017 - EQ:598 TU:589 EX:645 GOAL:750 All around the board
In the Garden since 12/16/2016~ Gardening until 7/1/2018

"You will receive better cards as your profile improves and any baddies fall off. It's just a process like climbing stairs. As your profile improves, you are able to go to the next level of cards. - baller4life
Message 10 of 30