Tax lien vanished, 55 point increase

Anonymous · ‎01-16-2016

My state tax lien just vanished from Experian. No idea why, (same thing happened with TU in Feb last year). Score jumped from 744 to 799.

NYFan63 · ‎01-16-2016

Congrats CAP

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Thomas_Thumb · ‎01-16-2016

Awesome - EQ still reporting the lien? When does it actually reach the 7 year mark?

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950

Anonymous · ‎01-16-2016

@Thomas_Thumb wrote:
Awesome - EQ still reporting the lien? When does it actually reach the 7 year mark?

As far as I know EQ still is. Latest report I have from them is a couple days old. As far as time frame goes, it's weird. The lien is from March, 2008 but it took me 7 years to get it paid off. So I thought I'd be stuck with it for 7 years from March 2015.

lg8302ch · ‎01-16-2016

Great and I hope for you it will not come back

Thomas_Thumb · ‎01-16-2016

I would hope they would come off within a year after settlement since it has been over 7 years.

Perhaps Inverse can weigh in on this. I know he had 2 or 3 that he got cleared off his CRAs.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950

Anonymous · ‎01-16-2016

@lg8302ch wrote:
Great and I hope for you it will not come back

Yeah, the thought did occur to me that this might just be a tease.

Anonymous · ‎01-16-2016

Happy for you CAP, not a shabby score either.

dman23 · ‎01-16-2016

Once paid and released a tax lien must be removed seven years from date it was filed.

myFico Score Experian: Start (4/21/14) 626 Current (5/7/16) 841
myFico Score Equifax: Start (4/30/14) 694 Current (5/6/16) 838
myFico Score Transunion Start (5/01/2014) 727 Current (5/7/16) 842
Discover (4/24/14) 659 (5/5/16) 842

Anonymous · ‎01-16-2016

@dman23 wrote:
Once paid and released a tax lien must be removed seven years from date it was filed.

There is a lot of different information floating about on the time frame issue. Most commonly, it's stated that an unpaid tax lien is removed after 10 years, but a paid tax lien is removed 7 years from when it's paid.