Is this LexisNexis lien bad or ok?

Swatch · ‎06-05-2021

I'm confused about how LexisNexis is reporting a state tax lien (that I didn't remember or know about).

It has 2 records listed under the Lien section. The first record says "State Tax Lien Release" and the second says "State Tax Lien". They both have the same filing number, filing amount, and page number. The Lien entry (2nd record) doesn't have filing date or release date. The Release entry has no filing date but it has a release date years ago.

So does this mean that I don't owe the amount (in the 2nd record) anymore?

Or is it something bad? When I first looked at this report I assumed they had released the lien and somehow re-entered the same lien right afterwards. Because it's confusing how the release is the 1st record and not the 2nd.

I'm just concerned about this looking negative if I have to call for reconsideration on a credit card, store card, or other.

I do AZEO.

Anonymous · ‎06-06-2021

@Swatch wrote:
I'm confused about how LexisNexis is reporting a state tax lien (that I didn't remember or know about).

It has 2 records listed under the Lien section. The first record says "State Tax Lien Release" and the second says "State Tax Lien". They both have the same filing number, filing amount, and page number. The Lien entry (2nd record) doesn't have filing date or release date. The Release entry has no filing date but it has a release date years ago.

So does this mean that I don't owe the amount (in the 2nd record) anymore?

Or is it something bad? When I first looked at this report I assumed they had released the lien and somehow re-entered the same lien right afterwards. Because it's confusing how the release is the 1st record and not the 2nd.

I'm just concerned about this looking negative if I have to call for reconsideration on a credit card, store card, or other.

That is how my state tax lein is. You still owe it. Log into your state account and find out.

There it shows me that they just renew the lein by releasing it and then placing another, at a higher balance owed. Or if some reason the time expires, the just renew it.

FireMedic1 · ‎06-06-2021

@Swatch wrote:
I'm confused about how LexisNexis is reporting a state tax lien (that I didn't remember or know about).

It has 2 records listed under the Lien section. The first record says "State Tax Lien Release" and the second says "State Tax Lien". They both have the same filing number, filing amount, and page number. The Lien entry (2nd record) doesn't have filing date or release date. The Release entry has no filing date but it has a release date years ago.

So does this mean that I don't owe the amount (in the 2nd record) anymore?

Or is it something bad? When I first looked at this report I assumed they had released the lien and somehow re-entered the same lien right afterwards. Because it's confusing how the release is the 1st record and not the 2nd.

I'm just concerned about this looking negative if I have to call for reconsideration on a credit card, store card, or other.

You say you didnt know about it and then ask that you dont owe the amount. As said by @Anonymous check your court records. Its either a debt or not. If its not you. File a dispute with them and get it removed. If it is for real. Pay it off to get it out of your life. Good luck.

BK Free Aug25

Swatch · ‎06-06-2021

@FireMedic1 wrote:
You say you didnt know about it and then ask that you dont owe the amount. As said by @Anonymous check your court records. Its either a debt or not. If its not you. File a dispute with them and get it removed. If it is for real. Pay it off to get it out of your life. Good luck.

In another thread, someone said you can just wait until it falls off. But it seems like they have the right to keep renewing it and probably will since they already did it once apparently?

I do AZEO.

Swatch · ‎06-06-2021

@Anonymous wrote:
That is how my state tax lein is. You still owe it. Log into your state account and find out.

There it shows me that they just renew the lein by releasing it and then placing another, at a higher balance owed. Or if some reason the time expires, the just renew it.

Oh. I don't know of any state account, but I will find out. This one renewed at the same amount.

Does it prevent you from getting credit cards / store cards / car loans? Does it prevent you from getting credit union memberships? I want to dispute this but I really wanted to get a credit card soon (and I was considering an auto refinance application). I think this might have been why I was denied for credit union memberships in the past. Disputing could take months.

I do AZEO.

Anonymous · ‎06-06-2021

@Swatch wrote:
@FireMedic1 wrote:
You say you didnt know about it and then ask that you dont owe the amount. As said by @Anonymous check your court records. Its either a debt or not. If its not you. File a dispute with them and get it removed. If it is for real. Pay it off to get it out of your life. Good luck.
In another thread, someone said you can just wait until it falls off. But it seems like they have the right to keep renewing it and probably will since they already did it once apparently?

Taxes are something that is difficult to just make disappear.

Go to your state's tax website and make an account and see what it shows. That will be your best bet.

If you owe it, they have likely been keeping any tax refunds (state and/or federal).

This can impact you in the long run. They may eventually freeze your bank accounts and take whatever is in them - this also has happened to me.

It may or may not prevent you from getting credit, but I think the more important thing is to get it figured out before it really takes a wrecking ball to your finances than just getting it off your LexisNexis.

This will likely prevent you from getting a mortgage, maybe not so much credit cards or other credit products, but still absolutely worth figuring out.

designated_knitter · ‎06-07-2021

@Swatch wrote:
@Anonymous wrote:
That is how my state tax lein is. You still owe it. Log into your state account and find out.

There it shows me that they just renew the lein by releasing it and then placing another, at a higher balance owed. Or if some reason the time expires, the just renew it.
Oh. I don't know of any state account, but I will find out. This one renewed at the same amount.

Does it prevent you from getting credit cards / store cards / car loans? Does it prevent you from getting credit union memberships? I want to dispute this but I really wanted to get a credit card soon (and I was considering an auto refinance application). I think this might have been why I was denied for credit union memberships in the past. Disputing could take months.

Owing back taxes on your credit report is up there with a foreclosure or bankruptcy.

From a lender's perspective, if you can't even be trusted to pay your taxes which can result in seizure of assets, jail time, or loss of your job (pretty big consequences), how can you be trusted to pay unsecured debts when the only remedy is a civil judgement.

Many employers will not hire you with tax liens because it is probably the most fundamental obligation one has. If you are employed and you get a tax lien to garnish your wages, employers can fire you if it happens more than once.

Started Over Again after Cap1 Death Penalty:
06/15/2019:

03/02/2021:

04/06/2021:

05/28/2021:

Lesson Learned: DON'T POKE THE BEAR!!! THE BEAR WILL WIN!!!

Swatch · ‎06-07-2021

@designated_knitter wrote:
Owing back taxes on your credit report is up there with a foreclosure or bankruptcy.

WOW!

Well, I want to inform LexisNexis that I am disputing the lien so they can put some kind of note on it while I work on the dispute.

I do AZEO.

Anonymous · ‎06-09-2021

I'm sorry for disrupting this thread, I'm just confused because I was under the impression that tax liens don't show up on credit reports anymore as of 2018. Further, I've been told by various people, both here and in real life, that people with tax liens get mortgages all the time.

Last month a tax lien was filed against me. The IRS agreed to my payment plan but informed me in the agreement letter they would be filing a lien. I hope, since I am on a payment plan, that I won't have to worry about garnishments or anything unless I default. But anyway, since I'm going through this as well, it concerns me that it's on your credit report and that people are saying you could lose your job, or not be hired, or refused credit, because I was told different. So far my tax lien has not appeared on my credit report.

Anyway I was just hoping someone might have a little clarification. I see the name LexisNexis thrown around here a lot, but I'm not entirely sure what that is, I've never had to deal with them. Is it because the state sent you to collections or something?

I'm sorry again for jumping in with the questions, it's just the tax lien is new territory for me and I'm trying to learn.

Swatch · ‎06-09-2021

Personally, this lien is not showing on EX, EQ, TU, but it shows on my LexisNexis report. I ordered that report because of trying to be careful. Seems like I could have easily not known for years otherwise.

LexisNexis seems different from the other consumer credit reporting agencies but it does get checked by at least one common credit card issuer.

It seems like federal and state liens are different.

I do AZEO.