topic Re: July 10 & Tax Lien/Judgment Still Showing. Next Step? in Credit in the News

July 10 & Tax Lien/Judgment Still Showing. Next Step?

CreditInspired — Mon, 10 Jul 2017 09:09:02 GMT

Bummer. My tax lien is still showing. I wonder if it's advisable to just go ahead and dispute the tax lien(s) and/or judgment(s) on our reports or will that open up a can of worms. I ask this because I've noticed since July 2nd (unless it was already there and I've never noticed it), CK added a box to the "Derogatory Marks" on EQ & TU that states:

"Check that the public record on your report is accurate. If it isn't, you could file a dispute with the credit bureaus."

Also, another question: I wonder what happens when the tax lien/judgment drops off due to incomplete info. Once/if the court record is updated to reflect the required info, will this update cause the original date to change? Mine was originally filed June 2010. Will updated info re-date it to July 2017? I sure hope not.

I wish the credit bureaus will just do it already!

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

Anonymous — Mon, 10 Jul 2017 12:54:21 GMT

@CreditInspired wrote:
Bummer. My tax lien is still showing. I wonder if it's advisable to just go ahead and dispute the tax lien(s) and/or judgment(s) on our reports or will that open up a can of worms. I ask this because I've noticed since July 2nd (unless it was already there and I've never noticed it), CK added a box to the "Derogatory Marks" on EQ & TU that states:

"Check that the public record on your report is accurate. If it isn't, you could file a dispute with the credit bureaus."

Also, another question: I wonder what happens when the tax lien/judgment drops off due to incomplete info. Once/if the court record is updated to reflect the required info, will this update cause the original date to change? Mine was originally filed June 2010. Will updated info re-date it to July 2017? I sure hope not.

I wish the credit bureaus will just do it already!

Don't give up the ship just yet. I haven't seen my reports update either, but if I was right (in the other thread), it's going to take a while for everyone to see all their defective public-record items removed. From what I read (if I remember right), almost every non-BK public record of this type in this country has some kind of defect to it that falls under the CRA's new guidelines for removal - the figure I saw was up to a whopping 96 percent - so the CRA's need time to get to everyone. I mean, we could very well be talking about tens of millions of people here. And given the arcane ways in which CRA's behave, they probably have some schedule for fixing the reports that makes sense to them but not to us...

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

CreditInspired — Mon, 10 Jul 2017 14:17:31 GMT

I won't give up Joe and thanks for the pep talk. I know you're right -- it's a lot of people's inaccurate info that the credit bureaus have to remove and it's going to take some time. I just wished the CBs would provide us with some definitive info.

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

drmceo — Mon, 10 Jul 2017 16:19:29 GMT

The wait is killing me as well. Horrible that they pick july 1st which was a saturday to say it is effective, then say starting 9 days later the process should begin. Its 2017 shouldnt there have been a computer algorithem they implimented to WIPE them all out with the press of a button? lol (wishful thinking) But seriousy its not like the courts said on june 28th you need to have it done by the 1st. They(and we) have known about this taking place for some time now.

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

CreditInspired — Mon, 10 Jul 2017 18:24:28 GMT

@drmceo wrote:
The wait is killing me as well. Horrible that they pick july 1st which was a saturday to say it is effective, then say starting 9 days later the process should begin. Its 2017 shouldnt there have been a computer algorithem they implimented to WIPE them all out with the press of a button? lol (wishful thinking) But seriousy its not like the courts said on june 28th you need to have it done by the 1st. They(and we) have known about this taking place for some time now.

Honestly drmceo, I was thinking the same thing. It really doesn't make any sense. Oh well, what can we do but wait and wait and wait and wait.

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

Anonymous — Mon, 10 Jul 2017 18:45:01 GMT

I couldn't stand the waiting any longer. I had 3 judgements from 2011. I disputed them with all 3 CRA's last Friday. TU and EQ have deleted them. Still waiting on EX.

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

CreditInspired — Mon, 10 Jul 2017 19:24:57 GMT

@Anonymous wrote:
I couldn't stand the waiting any longer. I had 3 judgements from 2011. I disputed them with all 3 CRA's last Friday. TU and EQ have deleted them. Still waiting on EX.

Thanks for the update transammomma. What did you put as your reason and please keep us updated on EX.

Also, did you see a nice bump in scores? If yes, how many points?

aid to disrupt the process with a disputeRe: July 10 & Tax Lien/Judgment Still Showing. Next Step?

drmceo — Mon, 10 Jul 2017 19:28:52 GMT

I was afraid to disrupt the possible deletion process for fear mine would get caught up in some loop waiting for verification and they end up on there the full 30 days needed to verify, or even worse somehow refresh the date verified. I called to see if they could be deleted before the 1st but the rep barely spoke english and was obviously from a call center in india.

Re: aid to disrupt the process with a disputeRe: July 10 & Tax Lien/Judgment Still Showing. Next

Anonymous — Mon, 10 Jul 2017 20:03:52 GMT

I'm waiting until all three are deleted to hit the refresh on my scores on CCT. It's killing me.

CK showed a 15 pt on TU and a 23 pt on EQ... but who knows what that will equal out to on FICO.

I'm still working on trying to PFD several collections, most are 2011 and 2012.

Re: aid to disrupt the process with a disputeRe: July 10 & Tax Lien/Judgment Still Showing. Next

Anonymous — Mon, 10 Jul 2017 20:06:56 GMT

TU I checked verify all data and typed in the box that Neither DOB nor Social Security number are referenced in the judgement documentation.

EQ I checked verify all data there wasn't a box to type anything in

EX I checked verify all data and typed the DOB SS # are not referenced.

All were disputed Friday. TU and EQ deleted Saturday.

Re: July 10 & Tax Lien/Judgment

CrankyDave — Mon, 10 Jul 2017 21:26:19 GMT

@drmceo wrote:
I was afraid to disrupt the possible deletion process for fear mine would get caught up in some loop waiting for verification and they end up on there the full 30 days needed to verify, or even worse somehow refresh the date verified. I called to see if they could be deleted before the 1st but the rep barely spoke english and was obviously from a call center in india.

I had the same experience on the phone with Transunion with a heavily accented "Angela," except she claimed that the removal thing was "incorrect information spread to the masses" and that they weren't going anywhere. Makes me glad that I didn't poke the beehive at Equifax.

Re: July 10 & Tax Lien/Judgment Still Showing.

CrankyDave — Mon, 10 Jul 2017 21:32:49 GMT

@Anonymous wrote:
TU I checked verify all data and typed in the box that Neither DOB nor Social Security number are referenced in the judgement documentation.
EQ I checked verify all data there wasn't a box to type anything in
EX I checked verify all data and typed the DOB SS # are not referenced.

All were disputed Friday. TU and EQ deleted Saturday.

Argh, this seems to be working for everybody else, but my TU dispute from *last Tuesday* is still sitting there. *And* the Indian CSR I just talked to essentially claimed that the public record removals were a widespread lie, and they wouldn't be coming off. Like you, I also entered "No DOB or SSN in court filing."

I'm going to request a dispute removal.

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

Anonymous — Mon, 10 Jul 2017 22:23:24 GMT

I'm only having trouble with TU 😢
Only CR with my tax lien due to fall off next April

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

Anonymous — Mon, 10 Jul 2017 22:35:12 GMT

Same here with the issues with TU. EQ fell off this morning with no dispute at all. I did dispute TU and the results came back verified today. Unbelievable. I even gave them the copy of the lien that clearly has no DOB or SSN.

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

CrankyDave — Mon, 10 Jul 2017 22:46:33 GMT

@Anonymous wrote:
Same here with the issues with TU. EQ fell off this morning with no dispute at all. I did dispute TU and the results came back verified today. Unbelievable. I even gave them the copy of the lien that clearly has no DOB or SSN.

Wow, that's weird. I also offered to send in the filing that proves it's missing the required info, and that's when she said the whole thing was minsinformation. I'd like to at least get it removed from EQ, but I'm leery of screwing myself over again. Sometimes the squeaky wheel gets the grease, sometimes it just gets you emergency repair procedure number one (ie, kicked repeatedly).

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

Anonymous — Mon, 10 Jul 2017 22:55:15 GMT

@CrankyDave wrote:
@Anonymous wrote:
Same here with the issues with TU. EQ fell off this morning with no dispute at all. I did dispute TU and the results came back verified today. Unbelievable. I even gave them the copy of the lien that clearly has no DOB or SSN.
Wow, that's weird. I also offered to send in the filing that proves it's missing the required info, and that's when she said the whole thing was minsinformation. I'd like to at least get it removed from EQ, but I'm leery of screwing myself over again. Sometimes the squeaky wheel gets the grease, sometimes it just gets you emergency repair procedure number one (ie, kicked repeatedly).

I am used to getting kicked by the CRA's but I certainly provided the boots. It is just so odd what TU is saying. I would have expected that from EQ and not them. I just dont understand how they can verify a public record so fast. two days seems not possible.

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

Anonymous — Mon, 10 Jul 2017 23:01:59 GMT

@Anonymous wrote:
@CrankyDave wrote:
@Anonymous wrote:
Same here with the issues with TU. EQ fell off this morning with no dispute at all. I did dispute TU and the results came back verified today. Unbelievable. I even gave them the copy of the lien that clearly has no DOB or SSN.
Wow, that's weird. I also offered to send in the filing that proves it's missing the required info, and that's when she said the whole thing was minsinformation. I'd like to at least get it removed from EQ, but I'm leery of screwing myself over again. Sometimes the squeaky wheel gets the grease, sometimes it just gets you emergency repair procedure number one (ie, kicked repeatedly).

I am used to getting kicked by the CRA's but I certainly provided the boots. It is just so odd what TU is saying. I would have expected that from EQ and not them. I just dont understand how they can verify a public record so fast. two days seems not possible.

EQ has been great for me. they took everything off including my BK almost 2 years along with 1 judgement and 3 tax liens. I love when a lender pulls EQ.

TU on the other hand hates me. I/m sure theres a sticky note on my file that says "I hate harley with everything insde me, please make him suffer"

EX they deleted my tax lien and judgement but the wont budge on an EE for BK. its due to fall off in september. I called 3 times but they told me no EE for BK.

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

CrankyDave — Mon, 10 Jul 2017 23:09:25 GMT

@Anonymous wrote:
@CrankyDave wrote:
@Anonymous wrote:
Same here with the issues with TU. EQ fell off this morning with no dispute at all. I did dispute TU and the results came back verified today. Unbelievable. I even gave them the copy of the lien that clearly has no DOB or SSN.
Wow, that's weird. I also offered to send in the filing that proves it's missing the required info, and that's when she said the whole thing was minsinformation. I'd like to at least get it removed from EQ, but I'm leery of screwing myself over again. Sometimes the squeaky wheel gets the grease, sometimes it just gets you emergency repair procedure number one (ie, kicked repeatedly).

I am used to getting kicked by the CRA's but I certainly provided the boots. It is just so odd what TU is saying. I would have expected that from EQ and not them. I just dont understand how they can verify a public record so fast. two days seems not possible.

I'm curious to see if it's come off my EQ report, but my free 3B update on Credit Check Total isn't for another several weeks. Credit Karma does Vantage 3 TU and EQ scores, so that at least would tell me if the item was removed. It last updated 5 days ago, so it should refresh in a couple days. I guess I'll see then.

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

CreditInspired — Mon, 10 Jul 2017 23:10:43 GMT

Congrats to everyone who is seeing some movement toward getting their tax liens and/or judgments removed. I think I am going to give it until Friday in the hopes that it will be deleted automatically. If not, I may have to bite the bullet too and file a dispute because my court record is definitely missing my DOB, SSN and the address is incorrect.

Re: July 10 & Tax Lien/Judgment Still Showing. Next Step?

CrankyDave — Mon, 10 Jul 2017 23:26:43 GMT

EQ has been great for me. they took everything off including my BK almost 2 years along with 1 judgement and 3 tax liens. I love when a lender pulls EQ.
TU on the other hand hates me. I/m sure theres a sticky note on my file that says "I hate harley with everything insde me, please make him suffer"
EX they deleted my tax lien and judgement but the wont budge on an EE for BK. its due to fall off in september. I called 3 times but they told me no EE for BK.

What boxes did you check on EQ's dispute page? Or did they just come off on their own?