topic Re: Albany NY State Tax Lien DELETED in Rebuilding Your Credit

Albany NY State Tax Lien DELETED

Anonymous — Tue, 02 May 2017 23:41:22 GMT

Yay!! I found out we had a small tax lien in NY last week. It was from 2012. I called them 4/26 and paid in full, also asked for it to be withdrawn. The rep said they'd send a letter in 60-90 days and then I can dispute it with the CRA. Thanks to this forum, I sent a dispute (online) to Experian to see if they'd delete it since it was paid and withdrawn.

Just checked the dispute update online and it's DELETED!

Experian also deleted on CA and I have two other disputes pending. Woohoo!

I'm celebrating every little victory because repairing my FICO is a full time job and it's daunting!

Re: Albany NY State Tax Lien DELETED

gdale6 — Wed, 03 May 2017 15:51:56 GMT

@Anonymous wrote:
Yay!! I found out we had a small tax lien in NY last week. It was from 2012. I called them 4/26 and paid in full, also asked for it to be withdrawn. The rep said they'd send a letter in 60-90 days and then I can dispute it with the CRA. Thanks to this forum, I sent a dispute (online) to Experian to see if they'd delete it since it was paid and withdrawn.
Just checked the dispute update online and it's DELETED!

Experian also deleted on CA and I have two other disputes pending. Woohoo!

I'm celebrating every little victory because repairing my FICO is a full time job and it's daunting!

Nice, in NYS a paid lien can only report for 5 years from date of lien.

Re: Albany NY State Tax Lien DELETED

Anonymous — Wed, 03 May 2017 19:17:37 GMT

Good stuff, I'm not even going to take any action on mine, the 5 year drop off date is in 9 days. I'm hyped! lol

Re: Albany NY State Tax Lien DELETED

Anonymous — Thu, 04 May 2017 11:08:30 GMT

Really?! I thought it was 7-10 yrs to be on our CR. Oh well, it's PIF and can't haunt me again.

Re: Albany NY State Tax Lien DELETED

Anonymous — Thu, 04 May 2017 11:10:01 GMT

@Anonymous wrote:
Good stuff, I'm not even going to take any action on mine, the 5 year drop off date is in 9 days. I'm hyped! lol

Hooray! Hope our scores go up! I hear public records are big no no's.

Re: Albany NY State Tax Lien DELETED

Anonymous — Fri, 12 May 2017 11:58:23 GMT

Well today is the day, the tax lien was first reported 5/12/2012 and when I pulled my credit report it said it would drop off today. Not sure if it will update today or the end of the day. I just hope it drops off. My scores are already decent now I want to see what kind of boost I get. I'm currently EQ 696, TU - 737, EX 747...come on baby put me in the 750s! lol

Re: Albany NY State Tax Lien DELETED

Anonymous — Fri, 12 May 2017 18:14:49 GMT

@Anonymous wrote:
Yay!! I found out we had a small tax lien in NY last week. It was from 2012. I called them 4/26 and paid in full, also asked for it to be withdrawn. The rep said they'd send a letter in 60-90 days and then I can dispute it with the CRA. Thanks to this forum, I sent a dispute (online) to Experian to see if they'd delete it since it was paid and withdrawn.
Just checked the dispute update online and it's DELETED!

Experian also deleted on CA and I have two other disputes pending. Woohoo!

I'm celebrating every little victory because repairing my FICO is a full time job and it's daunting!

Im glad it worked for one of us. I have been trying for two years now and nothing has worked, but you gave me courage to try again. Lots of blessing for you and your future

Re: Albany NY State Tax Lien DELETED

Anonymous — Sat, 13 May 2017 06:46:20 GMT

@Anonymous wrote:
Well today is the day, the tax lien was first reported 5/12/2012 and when I pulled my credit report it said it would drop off today. Not sure if it will update today or the end of the day. I just hope it drops off. My scores are already decent now I want to see what kind of boost I get. I'm currently EQ 696, TU - 737, EX 747...come on baby put me in the 750s! lol

Eek! I can't wait to see how it helps ya! TU refused to delete mine because they said lexis nexus verified. Grrr. But on the bright side Ex and EQ deleted. It went up 33 pts. I have a 2 CAs to get off and that's when I'm expecting a bigger jump. Keep us updated!

Re: Albany NY State Tax Lien DELETED

Anonymous — Sat, 13 May 2017 06:51:10 GMT

@Anonymous wrote:
@Anonymous wrote:
Yay!! I found out we had a small tax lien in NY last week. It was from 2012. I called them 4/26 and paid in full, also asked for it to be withdrawn. The rep said they'd send a letter in 60-90 days and then I can dispute it with the CRA. Thanks to this forum, I sent a dispute (online) to Experian to see if they'd delete it since it was paid and withdrawn.
Just checked the dispute update online and it's DELETED!

Experian also deleted on CA and I have two other disputes pending. Woohoo!

I'm celebrating every little victory because repairing my FICO is a full time job and it's daunting!
Im glad it worked for one of us. I have been trying for two years now and nothing has worked, but you gave me courage to try again. Lots of blessing for you and your future

Did you get a withdrawn or released letter from the tax commission? They usually send you one in 60-90 days. But you can try writing a simple letter and a copy of your bank statement showing that the pymt cleared your bank. They accepted a faxed letter and bank statement. It should get it to you within 30 days or less. Good luck!

Re: Albany NY State Tax Lien DELETED

Anonymous — Sun, 14 May 2017 16:44:12 GMT

Yep..nothing from Transunion yet. Gonna give it a week or so to see if they update it on their own if not what steps should I take? Should I dispute it or just give them a call?

Re: Albany NY State Tax Lien DELETED

RobertEG — Mon, 15 May 2017 16:24:09 GMT

The NYS provision for exclusion at 5 years only applies to paid judgments, collections, and charge-offs.

It does not apply to tax liens.

The paid tax lien exclusion modification under the NYS code applies only to very specific situations involving a purchaser, transferee or assignee in bulk sale transactions.

As a related matter, the CRAs have recently begun an internal review process of removing some tax liens if they lack adequate identification of the consumer's DOB or SSN under a consent agreement in pending litigation titled Jenkins v. Equifax.

New York State General Business Law Section 380-j

“(f)(1) Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information.

(i) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than fourteen years;

(ii) judgements which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period; or judgments which, from date of entry, having been satisfied within a five year period from such entry date, shall be removed from the report five years after such entry date;

(iii) paid tax liens which, from date of payment, antedate the report by more than seven years or, a paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee in a bulk sale transaction who has been deemed liable by the state tax commission for sales taxes due from a seller, transferrer or assignor under subdivision (c) of section eleven hundred forty-one of the tax law, where the receipt by a credit reporting agency from such purchaser, transferee or assignee of a notice, or true copy thereof, from the state tax commission to such purchaser, transferee or assignee that his liability has been wholly paid or satisfied or no longer exists, antedates the report by more than thirty days;

(iv) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years; “

Re: Albany NY State Tax Lien DELETED

Anonymous — Mon, 15 May 2017 15:52:34 GMT

Thanks for the clarification.