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My DW has a new JCB Marukai 3% card, but she was given only a $2,500 limit and they would not reconsider and indicated you must wait six months before applying for a CLI. We overpaid the current balance, and when you login, it now says available credit is ~$4,000. Does anyone have experience with this card and know whether a $3,000 charge would be approved at this point? I know that for Capital One account in the same situation, it would not be approved.
I filed my taxes in 2012 but I was in prison at that time. I was released in January of 2013 and immediately started working again. I recently found out (in early 2014) that my identity had been stolen. I called the IRS but they have been giving me the run-around for around 9 months. I'm poor and I need help getting my 2013 tax return. Does anyone have any advice on how I can get this resolved? Any help would be very much appreciated. Thank you.
I have a lot of baddies (25 with 17 being collections) I need to work on including a unexpected Tax Lien from 2009. Yesterday, when I got off work and got the mail, there was a letter from irs. I thought it was my monthly tax bill statement but the letter said Certificate of Release of Federal Tax Lien. It says to keep the letter in a safe place and it has already been mailed to the place of filing.
Do I need to do anything? How soon will this be off my credit report or will it just say the lien is satisfied and keep reporting?
I would love for this to finally be off my report. Thx
in 2012 I applied for a lien withdrawal and was denied. I later found lots of useful information on this board and today just received Form 10916 from the IRS in the mail. Woo-whooo!
Backstory: The IRS filed a lien in 2009 to include tax from tax years 2002, 2003, 2005, and 2007. I entered a payment plan in 2012 and converted it to auto-debit after learning of the withdrawal process. I sent in all of the paperwork and that request was denied. Reasons given were that the 2002 taxes had been self-released (past 10 year SOL and uncollectible) and that I was not in a repayment plan. Little did I realize that another requirement was to have filed the last three years tax returns, timely. I had not done that, but it wasn't cited as a reason.
In December of 2013, I found a few threads here on CB and read them all from beginning to end. I then completed the form again, requesting the withdrawal. I also sent a very personal cover letter detailing the troubles and what I had done to resolve and address my past tax problems. I included documentation to demonstrate that I was in the auto-pay plan and how much of the debt I had already paid. I also explained why I had been unable to pay the 2002 portion before it self-released. Lastly, I included a memorandum from the IRS that allows for the approval of the request via manager review and asked that such a review be conducted.
Four weeks later I followed up via phone to the Advisory for my area (I was terrified to call, but based on what I read, I bit the bullet) to find out the status. Called and talked to a very nice woman who told me that she had sent my paperwork to another department because I had checked both "open" and "released" on my request form. I explained to her the self released portion and indicated that is why I had checked that box. She immediately knew it would need manager review and told me to fax her the paperwork and she would get that going. She also gave me the number to contact the department that she send the paperwork to, so they would have a heads up. I did both and the department said they would forward the file back to the Advisory. This was the last week of January.
This past Friday, February 28, 2014 I got the letter from the IRS that request was approved. I almost fainted. Today I got the Form 10916.
Based on everything I read, my next step is to obtain certified copies from the City Register's office and send to the CRAs with a concise letter disputing the entry on my reports and requesting a deletion.
I checked online today and it the document hasn't been recorded yet.
Thanks, CB. I seriously could't have done it without the contributions from you all. I followed it diligently and am excited with the results. I hope my post can help someone in the future.
Success since returning to CB in November 2012
- Withdrawal of federal tax lien
- CMRE Medical collection deleted
- 12 late payments (each) on Sallie Mae Private loans
- Increase in credit lines on Wal-Mart, Chevron and PayPal credit cards totaling $1580 (nice utilization bump!)
- New Roaman's store credit card (another $750 available credit to help with utilization)
- Confirming Barclays UPromise card will report (they sent a letter confirming they would report the card, still waiting for it to appear. Every since Barclays took over the account, it disappeared from the reports and it is my highest limit and oldest open credit card.)
- Target - 1 -30 day late (called a CSR who agreed to remove it, still waiting for that to be reflected)
- Citicard - 1 30 and 1 60 day late (Have tried both GW and dispute, to no avail. Will come back to it)
Planning to buy an apartment (in NYC) in the next 12 months, so this has been extremely beneficial. Wooo-whooo! Can't wait to have the lien removed once and for all and see the impact to my scores.
MY PLACE OF EMPLOYMENT (I'M A P/T "INDEPENDENT CONTRACTOR"/ CONSULTANT ))
HAS RECEIVED NOTICE OF LEVY FOR MY OUTSTANDING $30K IN TAXES (INCLUDING PENALITIES, FEES) . BEFORE THIS, (I.E. AT LIEN STAGE), I WAS IN THE PROCESS OF HIRING TAX LAWYER/FIRM TO REPRESENT ME AND WORK OUT IRS PAYMENT SCHEDULE INCLUDING POSSIBLE LUMP SUM FUTURE PAYMENT. THE LAW FIRM IS CHARGING $3500. QUESTION: IS ANYONE OUT THERE EXPERIENCED WITH DEALING DIRECTLY WITH IRS RE LEVY ? I'M FEELING AS THOUGH IT MAY BE NECESSARY TO HIRE ATTY BUT WONDERING IF THERE IS ANY CHANCE THIS COULD BE HANDLED DIRECTLY WITH A POSSIBLE HALF-WAY REASONABLE OUTCOME. OBVIOUSLY THE $3500 COULD GO TOWARDS TAXES -- BUT I REALIZE LAWYER EXPENSE MAY BE A NECESSARY EVIL AT THIS POINT. THE FIRM HAS AGREED TO A FAIRLY REASONABLE PAYMENT SCHEDULE. ANY SUGGESTIONS, RECS GREATLY APPRECIATED. MANY THANKS!