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?
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.