The last post in this topic was posted 2676 days ago.
We strongly encourage you to start a new post instead of replying to this one.
I'm helping a friend with getting IRS tax liens withdrawn and removed from their credit report. Thus far, Experian and TransUnion were cleared fairly easily, however, Equifax is proving tricky.
There are three records reporting on Equifax, two of them we should eventually prevail on because the IRS has withdrawn them and we have proof of that and these were the two recently removed from Experian and TransUnion, however, Equifax has a third entry that the IRS says they did not report and thus cannot withdraw. It is for an adjacent county and matches the amount of one of the other two valid ones in the correct county of residence. The IRS says they cannot withdraw a lien they did not file. My friend has not moved in over ten years and has never lived in this other county.
What should we do about this lien on the report that the IRS says they never placed since it is the wrong county court? Should we go into the court and request some kind of report that there are no liens for that name or amount? I imagine there is some kind of computer glitch here, but not sure how to proceed. Could this lien be on his Lexis-Nexis report and we need to dispute there first so that it does not appear confirmed when Equifax looks into it?
Just called to get paid copies mailed. The other two went fine, asked for payment and gave confirmation number. Trans Union just said it was "processed" and I'll get it in bla bla business days. I got free reports on 12/25, are they just sending me that? I tried to call to talk to a rep, but not open again till 8:30 monday.
Ok, so i have a question. Equifax is my lowest score. Eq has not updated my credit limit increases or the fact that I have paid off my VS and my Cap1 all of this since Oct. No Update.... The other two show the correct amounts. Should I dispute the balances/limits? If so, can (should) I do it online? Thanks a bunch for your help!
I don't know a way (for free) to check my Equifax file but I doubt I have anything reporting there and I know DnB doesn't have anything but I do have some tradelines reporting to Experian.
Does anybody know any relatively accounts I can get that only check your experian file? Also I'm NOT looking to PG anything, and it would definitely help if they reported to all 3 as well.
I'm sure there's an answer to this already in the forums somewhere, I tried searching but couldn't find my answer. Thanks in advance, & I'll still be searching in the meatime.
The nicest thing about "the holidays" is the end of them. i dread them (starting with Halloween), cringe at most of the stuff, and then I am relieved when I have survived New Year's Eve, horns and all. The maudlin emotions in endless print ads, hundreds of hard sell emails, tv specials, some overdone decorating, non stop carols, and the exclusion of those who are not in a good space emotionally is rather terrible for me. And there is terrific financial pressure on many who cannot afford to be generous.
I am in a good situation these days but I know many who are not... and I was once one of them. To all of you who are just surviving, just barely, and celebrating no snow as it means less fuel oil and shoveling and salt purchases... I was there. My greatest joy is to be able to be generous to those who really need it and to make someone's day and create a little space of lack of financial fear and anxiety.
I still find a heavy snow quite magic and the smell of a fireplace inviting, but what was once quite unique and looked forward to seems to have changed for me dramatically. I wish I could recapture some of it, or perhaps just its illusion... I still love decorating a tree now and then and having people over for a special dinner but the drama of dashed expectations has taken its toll...and more and more I hear the same from others.
Am I the only Scrooge on here or are there others who are thankful for what they have but wish that it was not so institutionalized?
I do apologize to any who are offended by this but I wonder how many others here share some of these feelings...anyone with small children who still believe in magic are exempted from this discussion!