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Has anyone had success getting this removed from public record? I tried to file a motion to vacate today, but was sent from one location to the next. The clerk seemed clueless (as did I).
One of the issues in New York is, the state (itself) does not insert the information onto your credit report and has no duty to mess with it. Also, that section of the law includes a lot of stuff and seems vague. By vague, I mean it does nothing to clarify the kind of taxes the lien is related to.
My guess is those who have had luck with removal from Transunion, disputed it as a paid judgement. I've sent a PM to someone who had luck but it doesn't appear they visit the site anylonger.
I have one that fell off everywhere but TU at the 5 year mark. I'd like to dispute it but the on-line process limits number of characters. It falls off in April and I'm probably not making any major moves before then so it might be better to let sleeping dogs lie.
I had luck with Equifax and Experian-disputing a paid jugment in NY and it being deleted.
I tried online with TU but was directed to submit it in writing. I think it got lost in the mail bc I never received a response.
I have already used my free annual credit report.
Any advice?
Can you tell me how you disputed with Equifax and Experian? My judgement reports as paid/ satisfied and I haven't had any luck getting it deleted. I have a copy of my Satisfaction of Judgement.
Unfortunitly, it wouldn't be deleted. Not until 7 years from the date of the judgment. Now since you paid it and live in NY, its 5 years. Is it past the 5 years? If your CR is showing that it is satiisfied, then you are good and there is nothing you can do other than trying to get the plantiff to agree to getting it vacated. Sorry.
Not true gymbo.
You can file a dispute online with the credit bureau(s) stating paid and sometimes that works. See a PP comment.
It can take up to 45 days to get a response.
@Anonymous wrote:Not true gymbo.
You can file a dispute online with the credit bureau(s) stating paid and sometimes that works. See a PP comment.
It can take up to 45 days to get a response.
Would it be unethical to dispute it if it was inside the CRTP? I'm not certain if OP established that or not.
@llecs wrote:
@Anonymous wrote:Not true gymbo.
You can file a dispute online with the credit bureau(s) stating paid and sometimes that works. See a PP comment.
It can take up to 45 days to get a response.
Would it be unethical to dispute it if it was inside the CRTP? I'm not certain if OP established that or not.
Isn't the difference between a paid tax lien and judgement pretty much a matter of semantics? If you owe back personal taxes, they get a judgement and put a lien on something like your future tax return. Looking at the law's language it seems more like sales or property taxes are being discussed.
Unless there is something different between a regular judgement from a creditor and a tax lein, then the only thing that changes on your credit report is the judgment goes from 'not paid' to 'paid'.
Where is this written that you think a paid judgment automatically should come off? I never heard such a thing. You can dispute it all you want, the CRA will says verified. It is paid. What law says otherwise?