Question:
my credit report. If it was never valid, how can it be settled? How can I get this off my credit report? The State actually owed me money and sent me a refund. I have been going back and forth with the taxation department, however they are useless.
Answers:
Dispute with the credit bureaus as a lien filed "erroneously" (mistakenly) by the state. Demand and get a letter from the state saying that the debt was not valid and get the state to write directly to the credit bureaus stating "the lien was not valid and please delete this info from the credit file".
The state has rules to fix mistakes on tax liens. The IRS field a duplicate lien on me and sent letters to anyone I asked them to--correcting the information.
e-mail me at howiemayo@sbcglobal.net if you have any more problems.
Good luck
P.S. If the credit bureaus do not remove the lien completely after receiving proof that it was not valid, then sue them in small claims court. That's what I'm doing with Equifax.
Also, get a certified copy of a "release of erroneoulsy filed lien" from the public records office. That is golden proof
Send a copy of the court order, the only valid proof of "not valid" to the reporting agencies.
You may get your doubts very well clarified from http://moneytips.bestmoneymatters.info... . Best wishes!
From what I know, it can't come off. But when you decide to go buy a house or something like that, and you need a mortgage, you must bring your credit report with a proof/ evidence of statement that the tax lien was not valid, or that it had been settled on part of the err of the other person. Keep in mind when you go buy houses and need mortgage, that you shouldn't go off paying off your negative credit.. it'll go down on your fica score... only when u settle with a mortgage and a house do you pay off stuff. People don't tell you this, but it happened to my friends. so take care!
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