I am rebuilding my credit from neglect in my 20's. Being 35 now, I have three years to go before a recently discovered tax lien of $1400 is removed from my credit. My old chapter 7 bankruptcy goes away at the same time: 3 years from now. My fico is 650. I have 16500 total credit card space with about 30% utilization on a 0% card. I have a bunch of old delinquencies and bad marks going away this year. Haven't had a late pay in 5 or 6 years I think. I just discovered this $1400 tax lien. I don't have the money to pay it right now. If I roll it over to my 0% card and pay it over time instead of waiting for it to expire will it help or hurt my credit? I still have chap 7 on there till 2010. My question is should I just wait it out or roll it over? Thanks very much!