Hi everyone. This is my first post. I am a new single mother, and I have been trying to clear my credit up since being single, but before Jay-Z dropped 4:44 (if you dont know what that is a reference to, just ignore). Anyway, I have a MD tax lien that was paid in 2013, is reporting as paid, and before I learned about this rule, I was going to write into the credit bureaus to get it removed as it is now released and vacated. But now, with this new rule in place as of July 1st, I wrote a letter to the CBs that says :
As a result of recently updated changes to the collection of Public Record data, I am writing to request that this public record account listed above be deleted from my credit report as it does not meet the new heightened PII requirements in the enhanced public records standards.
In order for a tax lien or civil judgment to remain on a credit report, it would have to list three data points: a person's name, their address, and either their Social Security number or date of birth. This record does include the required data, and as a result, I am writing to respectfully request that this account be deleted.
I am mailing them off regular mail today. I hope to get this off because this is the most negative thing I have on my report.
