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State Tax Lien (s)


720lady
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The last post in this topic was posted 2572 days ago. 

 

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I have a total of three (3) State Tax Liens on 2 or more of my credit reports. This information is killing my score and any chances of getting my APRs reduced or credit limits and or new approvals. (Still in review process - things still murky). Trying to clean up as much as possible without causing any inquiries and would like to raise my score within the next 30 days as much as possible. My overall status is a high debt ratio. However, I am under the 45% mark with my part-time income. Each week, I will get the majority of my credit cards to 30% availability on cards with a lower balance. Which leaves the larger cc accounts with high balances.

 

1 - States that it has been Satisfied - However, it was an error. I never did owe. I had moved from the state and wasn't required to file. However, they keep giving me the generic response when I request removal due to error. That don't seem to be reviewing at all. Just the same response. It has "BEEN SATISFIED".

 

Any recommendations

 

2 - States that it has been Satisfied - It was paid in FULL, SATISFIED.

 

One credit bureau will not investigate any more. Or, later they will let me know that there has been no change.

 

 

Any recommendations. I am trying to increase my credit score. I will be applying for a mortgage within the next 30 days.

 

 

3 - States an incorrect amount due because I am currently making monthly payments.

 

 

Any recommendations. I am trying to increase my credit score. I will be applying for a mortgage within the next 30 days.

 

 

Thanks!

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On the one that was their error I think I would demand that they produce a lien withdrawl this will allow it to be removed from your CRs. if they refuse and you can prove it was an error I think I would file a complaint with the CFPB.

 

A CFPB complaint against a State? That should be interesting :)

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On the one that was their error I think I would demand that they produce a lien withdrawl this will allow it to be removed from your CRs. if they refuse and you can prove it was an error I think I would file a complaint with the CFPB.

 

Yeah I would demand a letter that states it has been withdrawn. withdrawn is not the same as released/paid. I had this issue with 3 IRS liens, all kept reporting as paid/released but I had to provide letters/statements from the IRS stating withdrawal to the CRAs for it to get removed.

 

Hell file a suit if you have to, if they're in error, f them, state or not.

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