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I'm helping a friend with getting IRS tax liens withdrawn and removed from their credit report.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There are three records reporting on Equifax, two of them we should eventually prevail on because the IRS has withdrawn them and we have proof of that and these were the two recently removed from Experian and TransUnion, however, Equifax has a third entry that the IRS says they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?
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!
Okay. So, in a rush, to my credit building started. I apped for a few cards, that I shouldn't have (Chase Freedom, Amex Everyday).. before I realized, I had to start from the bottom (Capital One & Discover).
I applied for Discover "It" for Students & Capital One Journey (both unsecured cards) and got approved. However.. upon looking over my credit reports, my idiocy in applying, and striking out over & over dinged my equifax quite a bit (in hard inquires). So, when I heard of the word "bumping" I practically did 10 cartwheels, and spent an hour jumping up & down.
Currently My Hard Pulls consist of this -
Transunion - 4
Experian - 3
Equifax - 6.
I'm a lot luckier than others, I understand that. But.. I still want to burn off a few of these Equifax hard pulls. I'd be happy with just one less, but, two would be amazing. I just don't completely understand the process. Is there anyone here, who would consider showing me the right direction, or, helping me understand the process itself?
Seeing that Equifax Number, just, kills me. And, I just wanna make it go away. If it's possible.
I have a experian 578.
I have a equifax 588.
I have a transunion 586.
Are there any credit cards I can get approved for?