How to get rid off a paid tax lien

CreditDumb · ‎10-10-2015

I am trying to get an FHA loan. My score is at 650. with 2 public records that are 5 years old.
How can I get rid off my public records? Do they weight in my credit score calculation?

dt3813 · ‎10-10-2015

is this a federal or a state lien? for federal liens there is a fresh start program if you google it, the instructions are pretty easy and they will remove it. If it is a state lien it can prove pretty difficult. Some states are easier than others. I DID have a state of mississippi tax lien removed. I wrote the attorney general and any other government official I could think of. Then when looking at the MS tax lien web page it specifically stated "you can send your release of lien paperwork to the credit agency and ask them to remove it". I copied the web page, attached the lien release and wrote a letter to TU and they just removed it. I read about someone else writing to the comptroller and getter hers released. I think SC has a program where they release them.....

Discharged Ch.13 6/24/15
Scores on discharge EQ669 TU650 EX654
current scores EQ776 TU775 EX758
WF $2500 WF $3000 Discover $6000 Target $1200 Amazon $5000 Jcrew $5250 Lowes $8300 Tjmaxx $5000 Cap1 $14750 venture $25500 jetBlue $21000 pier1 $5000 Amex $10000x2 AMEX $21,000 BoA$8000 CitiDC$8000

CreditDumb · ‎10-10-2015

Thnaks..The state is Georgia.

dt3813 · ‎10-10-2015

Print the department of renvenue page on tax liens. highlight the area where it says that they don't tell the credit bureau how long to keep it on your report and ask for it to be removed.....attach the lien cancellation letter.... it may work. if not write to everyone and their brother asking for it to be withdrawn.

Discharged Ch.13 6/24/15
Scores on discharge EQ669 TU650 EX654
current scores EQ776 TU775 EX758
WF $2500 WF $3000 Discover $6000 Target $1200 Amazon $5000 Jcrew $5250 Lowes $8300 Tjmaxx $5000 Cap1 $14750 venture $25500 jetBlue $21000 pier1 $5000 Amex $10000x2 AMEX $21,000 BoA$8000 CitiDC$8000

pizza1 · ‎10-11-2015

"Withdrawn" or "Extinguished" are the KEY words you need in a letter from your state. They mean the same thing. Im still trying to do that myself...good luck to you!

Wovenyarn · ‎10-12-2015

I have 2 paid tax liens from Georgia on my CR. I was able to close on my house with the liens since they were marked paid. Please update the thread on if you are able to get them removed.

Freedom $3k, DCU $5k, BoA Rewards $1k, BoA Americard $2k, Barclay's Ring $3k, Cap 1 Plat $2k, QS1 $2k, Discover IT $500, Lowe's $10k

Scores: EQ 687, TU 709, EX 692

Anonymous · ‎10-12-2015

@pizza1 wrote:
"Withdrawn" or "Extinguished" are the KEY words you need in a letter from your state. They mean the same thing. Im still trying to do that myself...good luck to you!

Vacated is another good word to get in a letter or court document. It means it never existed!