how long does a paid tax lien stay on your Credit Report?

I think a lien remains in the credit report for 10 years. Other members please correct me if I am wrong.

I'm pretty sure it's 7 years because I just had one removed from mine recently and it was almost 7 years to the day. :)

7 years from when it was filed or 7 years from when it was paid?

Does anyone know if it stays on my credit report for 7 years from when it was filed or 7 years from when it was paid?

And do paid tax liens affect credit scores?

New question ... can these be disputed? Even though it wasn't legally mine, we were married and was in my name as well and I did pay it, so ... can I dispute it?

Paid tax liens remain for 7 years, unpaid tax liens stay indefinitely.

Paid tax liens are considered a negative notation so I believe they are calculated into your scores.

Any item on your credit report can be disputed. I would dispute it.

I know they remain for 7 years, but is it 7 years from the date I paid it or is it 7 years from when it was put on to the credit report?

7 years from last activity, same as with any other credit report item. so if your payment was the last transaction, then it will be from date paid.

ugghhhh well okay ... so has anyone here successfully had a paid tax lien disputed/removed?

This might be a dumb question but what is a tax lien and why do you get one?

Tax lien is a security interest that is imposed by law on your property in order to secure your payment of tax. Some of the possible reasons for imposition of Tax Lien is: -
1. Delinquent taxes on personal/real property
2. Income tax or other tax payment failure

My ex didn't send our tax return in back in 1996 (I think), we owed about $100 which turned into $326 due to interest and penalties and I got stuck with it, and it was his part of the return that made us owe in the first place! I could have ignored it but could never get credit if one of us didn't deal with it, and he sure wasn't going to. It just sucks that it stays on for so many years after paying it, I will be penalized for a 19 year old item that wasn't even mine by the time it falls off! *sigh* such is life, eh?

I would dispute it. Was it reported by a CA and not the tax authority? If it was reported by a CA, you can request DV, and of course, if they don't validate, they can't report. (Usually after they get paid, they don't care about reporting it any more.)

Don't fret...just take a pro-active approach. It might all work out just fine.

Good Luck!

no it was reported by the State of California (and thank heck I moved away from there!)

Perhaps try calling California and explain the situation, you now paid it and see if they would be willing to remove it. Can't hurt to ask.

If it's something your ex did, you should ask about injured/innocent spouse relief. Most states offer something like that.

I paid it over 2 years ago so I don't know if I would qualify for any sort of injured/innocent spouse assistance? The mortgage broker I used at the time told me that the only way to get it off my record was to pay it off, and that it would "eventually" drop off. If I'd known it would still be haunting me I would probably have asked more questions at the time, but there were also so many other things to pay off and do that I likely would have still just paid it and not bothered working a bit, which was pure laziness on my part! If ONLY I had known then what I know now!

I will give it a shot by calling the state franchise tax board, they might not have any ability to remove it now but I guess it doesn't hurt to try.

Smo, I'm just curious, did you have any luck with getting this removed from your report?

i think it usually takes 7 years for a paid tax lien to stay on your credit report.

well I don't know about the others yet, BUT Equifax HAS removed it. I had sent a Goodwill letter to the State of California's Franchise Tax Board, explained the situation, asked for them NOT to respond to a dispute, waited 2 weeks and then disputed it to all 3 Credit Reporting Agencies. I'm not sure yet about Transunion and Experian, but it has successfully come off of one of them. So my fingers are crossed that it will work with the other 2.

Reporting periods from the FCRA:

Smo, that sounds promising! Let us know if you have success at getting it off of the other two also! Good luck!!

well sucess with credit reporting agency #2! The paid tax lien has been removed from my Experian report!

now Transunion has been another matter ... they gave me the error message of "For security reasons, your personal credit report is not available online." So I had to call my dispute in and am waiting for the report to come in the mail so hopefully I'll know soon!

fingers crossed for good news!

Wow! Good news so far! That's great!

GOOD FOR YOU, SMO!! Let us know how it went with TU!

TRANSUNION DELETED AS WELL ... my lord it's like I'm dreaming! Bit by bit things are improving!

Good job!!! Another example of "it never hurts to ask."

isn't that the truth?!

Hi SMO -

Can you share the goodwill template you used for the State FTB (CA)? I have a similar issue with state tax liens (paid) I need to get removed from my credit report.

Thanks!
RK

It is actually 15 years 10 is for bankruptcies.

I learn something new every day... I thought tax liens were 10 years, but then I re-read the FCRA. It appears that unpaid tax liens don't have a limit -- they don't ever have to come off. Paid tax liens can be reported for 7 years following the date it is paid.

DEBTCRUNCHER I'M YOUR FAN NUMBER1.
FANTASTIC POSTS!!!

this was what I sent:

My info

addressed to the State Franchise Tax Board


Date:

Re: my SS#

Dear Sir/Madam,


Last year I was going through a copy of my credit report and found that there was a tax lien of $_______ from the State of ________ on my credit report, which I was unaware of. This item was my ex-husband's debt but as I was trying to obtain a mortgage, I paid the debt in full.

As this debt was #1 not mine and #2 over 7 years ago, can this possibly be removed from my credit reports due to these circumstances? I would appreciate any assistance you can lend me in this request.



With regards,


You

It is seven years 6 months from the date filed not satisfied as of F.C.R.A

Unpaid tax liens remain 15 years from the filing date. Paid tax liens remain seven years from the paid date of the lien.

I have tax liens on my report for state income tax to Illinois not paid in 1989 but have long been paid Every time I apply for crefit they are ingnored because they are so old They are just ANNOYING

I am going to the same thing right now and tax lien does affect your credit score.I have been trying to get this delete off my report for 4 years.It is hard to get them deleted off your report before the 7 years from date file.Eqifax and transunion deleted after I paid it,but Experian won;t until the 7 years is over.

if its 7 years, then why is mine still on in 2009 when the tax year was 1999. this was a tax lein that was not correct and it cannot be fixed according to my state.

have you paid the lien? Or does it remain unpaid?

smo65d11,

Who (and exactly how) do you contact at the credit bureaus to get them removed? Do you mind shreding some light on it?

I just had a 2002 tax lien (from CA as well, about $500) just being paid in June (for the same reason you had --- getting mortgage). Not sure if it is too early but figure doesn't hurt to try.

In my case, I think the lien was removed immediately for which I received a formal letter.
I had used mycredithealth.com but now it looks like a total waste of money.

Thanks a lot.

I communicated directly with the State Franchise Tax Board, I don't think that I had to dispute it through the credit bureaus.

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California Tax Law states 10 years from when it was paid. Which means it could remain for additional 10 years.