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Hello all! I have come a long way in rebuilding my credit... considering financing an auto loan this fall, so I checked CK to see the status of an old less-than-favorable auto loan.
My TU report looks great but EQ is showing a tax lien from 2007 as unpaid - though it does say released 12/2012 (which is when I paid the lien) so I guess that counts as paid .. Anyway, it's not showing on the other reports. I checked the last ones I pulled from annualreport in May - I think TU removed it by mistake. It says filed: 8/2007 satisfied 9/2007 (wrong) removed 8/2014 Not sure if it's still on EX or not.
It's really hurting my EQ score. I feel like I should dispute it but I'm worried if I do, it'll trigger TU to double check their own reporting of it. Can I dispute on EQ? SHOULD I dispute?
Thoughts? What would you recommend?
So I did a buncha research. 90% of my findings say that liens are removed 7 years from date paid. 10% of my findings state it's 7 years from the date filed. I think the majority wins in this case and any where that it says it's 7 years from filing is just plain wrong. Looks like I get to enjoy 4 more years of a negative public record on my reports. Yay!
The law says that liens are removed 7 years from date of payment. Since the courts don't record the payment date, the CRAs use the release date.
Was this a fed or state tax lien and if state, which state? The Feds will remove a paid lien if you request it. Same thing for some states.