Newbie and puzzled by paid Tax liens

[Anonymous]

Hi everyone !

I am new to credit repairing, so sorry if it was answered already (I did used the search function) 

I have 2 things that puzzled me on my pitiful Equifax report 

Legal Item filed on Feb, 2007

Type    Legal Item

Court number   ********

Case number    ********

Date filed          Feb, 2007

Status date       Jan, 2009

Date paid         Jan, 2009

Amount            $413

Plaintiff State OfNew York

Tax lien filed on Feb, 2007

Type    Tax lien

Court number   ********

Case number    ********

Date filed          Feb, 2007

Status date       Jan, 2009

Date paid         Jan, 2009

Amount            $414

These two things seem to be the  exact same thing. The only difference is the case number which is the same except for two 00 preceding the second one i.e. one is 2325, the other one 002325. What are your thoughts ? Looks like duplicates to me, how can I get rid of at least one ?

Tax lien filed on Oct, 2004

Type    Tax lien

Court number   ********

Case number    ********

Date filed          Oct, 2004

Status date       May, 2005

Date paid         May, 2005

Amount            $631

My inexperienced-self  called the CRA based on the fact that I am NY state resident and it should no longer be reported. But I was told that the 5 year reporting were for judgments, not Tax liens. Is this true ? Just want to double check.

Thanks in advance !!!

[GoodCredBen]

These do seem to be duplic information....

These next link might not apply to you, but please feel free to read them.

what i would do is possible dispute them as innacurate information .....

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Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.

[ando35]

I would dispute them online. I have one also and I sent a letter to ask to have it removed. Does anyone know what the chances are that it willbe deleted?

[Anonymous]

Thanks will try.

Does anyone know if the 5 year reporting applies to Tax lien too in NY ?

Thanks again, this forum is addictive

[RobertEG]

If these do, in fact, represent the same tax debt, not only do they appear duplicative, but they are contradictory.

The dates of filing are different.  More importantly, the date paid, which controls the FCRA exclusion date, is different.

In addition to asserting duplicate reporting, I would also assert that one or the other is necessarily inaccurate in the facts.

The CRA needs a CR exclsuion date.  Which one are they using?

[Anonymous]

I apologize if I wasn't clear. The first two are the ones that are duplicates and have the same date of filing and paid.

The third one, I was trying to have it deleted based on the 5 year NYS rule, but it didn't work (at least over the phone).

I don't see any CR exclusion date.

[RobertEG]

Write the CRA and ask them for the reported date of record of payment of the lien.  That controls CR exclusion.

Such requests are made under FCRA 609(a)(1), and require the payment of a CRA processing fee of $11.00. Add 7 years to the date of payment, and you have the legal CR exclusion date.

[guiness56]

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@Anonymous wrote:

Thanks will try.

Does anyone know if the 5 year reporting applies to Tax lien too in NY ?

Thanks again, this forum is addictive

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Paid Tax liens are 7 years, paid judgments are 5 years.  You can find this under the NYS Fair Credit Report Act Section 380-J Prohibited Information

[Anonymous]

Too bad, I was hoping if paid in NY State, it would be 5 year. You live, you learn

Thanks again to everyone.

Discouraged as I have a looooong way to go, before I get a clean report. But,  At least, I am on my way, there is hope