01-20-2012 09:17 PM
i have state liens listed on my credit reports, on some they are showing as released and on others showing nothing. on the state website they are showing as paid and released. should i dispute and check the this lien has been released through equifax, or gw the state department of revenue?
01-21-2012 12:42 AM - edited 01-21-2012 12:43 AM
I'll let you know what I find out with my own situation (OH). So far, dispute w/ CRA, came back "verified". Requested MOV. Sent me another "verified" form letter (lists the local courthouse). Called courthouse, no, they don't "verify" these things. Sent letter to state tax collector who referred me to the state atty general's office. Sent them a letter and they sent me a copy of the original release. I called that office, but never received a return call. My "release" letter states that the lien is "cancelled", but that doesn't seem to matter to the CRAs.
ETA: in addition, none of the CRAs are reporting correctly, 2 have the dates wrong, 1 has the amount wrong and STILL they can manage to "verify".
01-21-2012 02:15 AM
No, the state does not issue "verification". They provide the public records upon which a party can determine its status. The "verification" was done by the CRA based on those records, which they are entitled to do under their "reinvestigation" rights under FCRA 611(a).
Technically, they were required to forward a copy of your dispute to the party who reported it, which also was probably not any state agency. Their response to your MOV request should have identified any party they sent it to. However, the CRA is not required to base their verification only upon results obtained from the furnisher. They have the right to reinvestigate disputes filed through them.
I am not sure what action you requested in your dispute, but CR deletion is not the required outcome of inaccuracies in recording of dates. Any inaccuracies can simply be corrected.
Tax liens can remain in your CR for 7 years from the date paid. Yes, getting the dates properly of record in your file is important, but at this point would not result in deletion or improvement in credit score.
01-21-2012 02:46 AM
01-22-2012 05:40 PM
02-24-2012 06:51 PM
I have a tax lien from the state of Nebraska that I paid off like 5 years ago. How can I get this removed from my credit report?