@Anonymous wrote:
Yes...it depends on the creditors...usually it's the closing dates on your statements...and after that..it can take up to a week for all CRA to update...as far as the tax lien...I don't think you will get proper advice...because you will be hounded by the MODS for saying...you are going to dispute accurate info...I know it sounds strange...even though you are merely stating what they told you...remove that portion...did you receive a letter from them saying they would delete...but if they say they are going to delete...it's all up to the courts...
I am NOT trying to dispute accurate info ... at least, not really. His promise stemmed from the fact that it wasn't clear in the system whether or not we had paid this off previously. Rather than do a full investigation, it was just easier to pay it (again) with the understanding that it would be deleted.
What happened (as far as I could tell) is that we paid it off immediately prior to it being filed for judgment. We paid it, didn't keep good records back then (about 6 years ago) and thought nothing of it afterwards (didn't even check our CRs). Somehow, sometime, MD filed a tax lien, never updating their records.
Believe me, with two moves under our belt, two storage units, a garage, etc, it was MUCH easier to just shell out the $500 than spend six months wading through old receipts for fast food, groceries, bills, etc (we DO need to organize all that stuff, but I'd rather we do on OUR schedule rather than in a panic).
So, long story short, in the end, we pretty much negotiated a PFD for the tax lien.