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  1. I signed up for USAA credit monitoring so I could closely monitor my account balances updating after making huge paydowns. I've been impatiently waiting to see my scores go up when all of a sudden I see a public record pop up for a New York State vs me judgment. The only thing I could think of was a New York State tax issue and sure enough I called them up and was told that even though I made a payment months ago it was held and never applied to the balance. They updated my record and now I have to wait until my account balances are updated to zero. The rep told me to keep checking the account everyday and once it updates to request a vacate. She also said that the process would take a few months because it had to go through several people, a notice will be sent to bronx civil court, then finally I will be sent a letter that needs to be sent to each credit bureau individually. Has anyone gone through this process? It's so discouraging to go from seeing my scores finally, finally go over 700 after two years of work only to be hit with a mistaken tax lien.
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