@jimc wrote:
i was reading on this forum that ca fall of in 6yrs for ny is that true? reason i ask is i keep hearing its 7yrs?? also i have a 185 tax lien when i pay this is there any chance of it being removed if i want to by a house? i'm thinking they might be nice because of the economy lol
NY State FCRA is somewhat different for PAID charge offs and collections which have a five year reporting window. That means if you have paid the charge off or collection, you may be able to see it drop off of CRA's five years after DOFD. In my personal experience, you may have to dispute it off with an "obsolete by NY State FCRA" notation (the evil Texas Empire doesn't seem to recognize other state laws until bashed about the head with statute).
Tax liens are not an area I know much about, but do not fall into the category of collection or charge off. If I am off base, one of the experts will chime in.
atlast.....
Ficos 2/17/08: TU 551 EQ 534 EX 587
Ficos 2/12/09 TU 695 EQ 715 EX 715
Fico...4/15/10....drumroll.....EQ 743
