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@Anonymous wrote:
@swins24 wrote:Thanx for all the input, I talked with someone from the county clerk office today and she said that she didn't see me in the system having a lien. I ask her about the credit report concern and she said that they don't report to CRA and that even if the KY department of revenue had filed the lien it would only mean that I could not buy or sell property until the lien was released. Does this sound right or should I call again to ask another rep?
I'd say call and ask another rep. Personally, I don't think the county clerk's office needs to report for it to show up on your credit report. I think the CRAs hoover up data from court records.
According to http://revenue.ky.gov/laws/liens.htm:
* Once the debt is satisfied, then KY will file a release, which is a public record showing that the lien is no longer in effect. I don't know what the effect of a release, if any, is on your FICO, but it can't hurt to have the release listed for potential creditors.
* If the state decides the lien was filed incorrectly they'll contact the CRAs and ask to have it removed.
You might consider calling the KY Taxpayer Ombudsman, see http://revenue.ky.gov/ombudsman.htm.
Can't hurt and they might have something useful to tell you.
You may well find that despite your best efforts you're stuck with the lien on your CRs. If so, I'm pretty confident the impact lessens over time.
A tax lien is not a public record until filed. State taxation authorities in most states -- including Kentucky -- issue a tax lien as an administrative process and then file the lien with the court clerk in the appropriate county.
Yes, but the OP said, "at a tax lien has Ben filed in the appropriate county clerks office".
@Anonymous wrote:Yes, but the OP said, "at a tax lien has Ben filed in the appropriate county clerks office".
Most of the time there is an extremely significant difference between county clerk and court clerk. A lien in most states -- including KY -- must be filed with the court clerk. Until filed, it is not a public record and, as such, cannot show up on your credit report unless the state reports the data directly to the CRA, which Kentucky does not.
It is not at all uncommon for people to say county clerk when, in fact, they mean to say county court clerk.
In addition, CRAs do not collect data from court clerks. They obtain the data from middlemen who obtain the data from court clerks or, in extremely rare instances, when court clerks furnish data directly to the CRAs.
@Anonymous wrote:
@Anonymous wrote:Yes, but the OP said, "at a tax lien has Ben filed in the appropriate county clerks office".
Most of the time there is an extremely significant difference between county clerk and court clerk. A lien in most states -- including KY -- must be filed with the court clerk. Until filed, it is not a public record and, as such, cannot show up on your credit report unless the state reports the data directly to the CRA, which Kentucky does not.
It is not at all uncommon for people to say county clerk when, in fact, they mean to say county court clerk.
In addition, CRAs do not collect data from court clerks. They obtain the data from middlemen who obtain the data from court clerks or, in extremely rare instances, when court clerks furnish data directly to the CRAs.
Well unless the state made a mistake in wording the letter.The letter does in fact say's county clerk and not court clerk.I will be making some more calls this morning to see exactly what is going on.
@swins24 wrote:
@Anonymous wrote:
@Anonymous wrote:Yes, but the OP said, "at a tax lien has Ben filed in the appropriate county clerks office".
Most of the time there is an extremely significant difference between county clerk and court clerk. A lien in most states -- including KY -- must be filed with the court clerk. Until filed, it is not a public record and, as such, cannot show up on your credit report unless the state reports the data directly to the CRA, which Kentucky does not.
It is not at all uncommon for people to say county clerk when, in fact, they mean to say county court clerk.
In addition, CRAs do not collect data from court clerks. They obtain the data from middlemen who obtain the data from court clerks or, in extremely rare instances, when court clerks furnish data directly to the CRAs.
Well unless the state made a mistake in wording the letter.The letter does in fact say's county clerk and not court clerk.I will be making some more calls this morning to see exactly what is going on.
Copies of tax liens can be obtained from the county court clerk in the county where the lien is filed.
@Anonymous wrote:
@swins24 wrote:
@Anonymous wrote:
@Anonymous wrote:Yes, but the OP said, "at a tax lien has Ben filed in the appropriate county clerks office".
Most of the time there is an extremely significant difference between county clerk and court clerk. A lien in most states -- including KY -- must be filed with the court clerk. Until filed, it is not a public record and, as such, cannot show up on your credit report unless the state reports the data directly to the CRA, which Kentucky does not.
It is not at all uncommon for people to say county clerk when, in fact, they mean to say county court clerk.
In addition, CRAs do not collect data from court clerks. They obtain the data from middlemen who obtain the data from court clerks or, in extremely rare instances, when court clerks furnish data directly to the CRAs.
Well unless the state made a mistake in wording the letter.The letter does in fact say's county clerk and not court clerk.I will be making some more calls this morning to see exactly what is going on.
Copies of tax liens can be obtained from the county court clerk in the county where the lien is filed.
http://revenue.ky.gov/laws/liens.htm
Ok here is exactly what it say's
This letter is to notify you that Department records indicate that you
have a debt that has remained unpaid for more than 45 days after the ~
original notice due was mailed. Department records further indicate
that you did not file a written protest or make arrangements with the
Department to pay or resolve the liability within the 45 day period
provided by KRS 131.110 to timely protest an assessment. As a result,
your liability is due and payable and a state lien has been filed in
the appropriate County Clerk's office.
· Once a state lien has been filed, the Department may include your name
on a list of delinquent taxpayers which may be published for public
inspection in newspapers and the Internet if the debt remains unpaid
for sixty (60) days from the date of this notice.
The Department will not publish your name if within sixty (60) days of
this letter you pay the debt, enter into an agreement to pay, or
provide a written explanation showing that one or more of the following
_items applies:
1) You have a protest or appeal pending as of the date of this letter;
2) You have established a payment agreement with the Department
and are current;
3) The Department is in the process of reviewing or adjusting your
. liability;
¤h
A) You have initiated an active bankruptcy proceeding for the
liability;
5) The liability has been discharged as a result of bankruptcy;
6) The Department has been sent notification that the debtor
is deceased; or
7) The statute of limitations for enforced collection action has
expired.
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