topic Re: Tax Lien in Rebuilding Your Credit

Tax Lien

Anonymous — Thu, 28 Aug 2008 14:13:11 GMT

I have a State Tax Lien in CA filed in 2002 and paid in 2005.

Does anyone have any tips to get it deleted from Credit Reports?

I have tried the dispute as Not Mine but the problem is, tax liens are simply to easy for the CRA to verify...they simply notify their vendor who sends a person to the office the next day and it takes about 15 minutes to verify.

Any help would be appreciated...

Re: Tax Lien

haulingthescoreup — Thu, 28 Aug 2008 15:17:03 GMT

@Anonymous wrote:

I have a State Tax Lien in CA filed in 2002 and paid in 2005.

Does anyone have any tips to get it deleted from Credit Reports?

I have tried the dispute as Not Mine but the problem is, tax liens are simply to easy for the CRA to verify...they simply notify their vendor who sends a person to the office the next day and it takes about 15 minutes to verify.

Any help would be appreciated...

Disputing items as "Not Mine" which are legitimately yours are a violation of the myFICO TOS. Please read:

Credit Repair Discussion Guidelines

If I misunderstood you, I apologize. I'm moving this thread to Rebuilding Your Credit in case you need to clarify. But if you are in fact disputing a legitimate (albeit annoying) entry on your credit reports, this thread will be locked and deleted. --thanks

Message Edited by haulingthescoreup on 08-28-2008 08:17 AM

Re: Tax Lien

Anonymous — Thu, 28 Aug 2008 17:43:34 GMT

ffudj wrote:

I have a State Tax Lien in CA filed in 2002 and paid in 2005.

Does anyone have any tips to get it deleted from Credit Reports?

I have tried the dispute as Not Mine but the problem is, tax liens are simply to easy for the CRA to verify...they simply notify their vendor who sends a person to the office the next day and it takes about 15 minutes to verify.

Any help would be appreciated...

You need to call the state and ask if they will have it vacated. Never dispute a baddie as it will update and may cause your scores to drop.

If the state will NOT vacated it then there is nothing that you can do.

Re: Tax Lien

Anonymous — Thu, 19 Aug 2010 03:04:42 GMT

i am about to get married --but have a tx lien and dont want my new wife to get anything on her credit. Can they attach the lien to her? How can I avoid?

Re: Tax Lien

Anonymous — Thu, 19 Aug 2010 04:51:31 GMT

@Anonymous wrote:
i am about to get married --but have a tx lien and dont want my new wife to get anything on her credit. Can they attach the lien to her? How can I avoid?

Hi and welcome to the forums.

Is it paid?

They should not be able to attach it to her. Especially if you are not in a community property state and because it happened before you were married.

However, I have to say I have seen where, in a community property state, a debt accured and was defaulted on long before the marriage, was taken from the other spouse. The IRS reasoning was that she was responsible for the debt just like he was because they were married and when it occured made no difference.

I would call the IRS and ask them.

Re: Tax Lien

RobertEG — Thu, 19 Aug 2010 10:02:02 GMT

Any competent attorney would be able to un-attach any debt incurred before marriage, even in a community property state, from any legal obligation of the new spouse to that debt prior that was not incurred after entry into the final legal matrimony contract.......

Unless the matrimony contract, in additiion to "love, honor, and (*maybe) obey, included the absurd promise to also "honor all debts incurred by the marital partner prior to the marriage contract." I doubt that was a part of the marital vows.

Re: Tax Lien

Anonymous — Fri, 20 Aug 2010 00:29:40 GMT

The IRS CAN take the money for the lien, but it can be mitigated by attached an injured spouse form to the tax returns in question. As far as other assets, generally if there are innocent parties in joint ownership to property, the IRS will not levy or sieze it unless steps were made to hide assets or avoid payment of tax.

Re: Tax Lien

Anonymous — Fri, 20 Aug 2010 02:33:07 GMT

@Anonymous wrote:
The IRS CAN take the money for the lien, but it can be mitigated by attached an injured spouse form to the tax returns in question. As far as other assets, generally if there are innocent parties in joint ownership to property, the IRS will not levy or sieze it unless steps were made to hide assets or avoid payment of tax.

Exactly!

If a joint return is filed, the IRS will zap the total amount. One's spouse then has to file for relief as an injured spouse.

Additionally, while they will not generally seize property owned jointly with innocent parties, they will generally place liens against them.

I do not see OP's tax liens being reported on his new wife's credit reports.