I've been reading the California Civil Code, and the only specific reference I can find about the way CRA's are supposed to report tax liens is that a paid tax lien must be removed 7 years after date it is paid. It says nothing about unpaid tax liens (that I can find). It DOES say that ALL negative info must be removed after 7 years, except for bankruptcies, which are 10 years. My question: would an unpaid tax lien fall into this more lenient 7-year category? Also, when state law is more favorable to the consumer than provisions of the FDCPA and the FCRA, which rules? Thank you legal eagles.
bump I have a friend in a similar situation. except for her, the items appear on her CR and they shouldn't be even on there in the first place.. but she's gotta settle all the issues w/ the IRS first.. so once they figure out the liens should never have been done, will they get removed? hmm..
Ender, I cut/pasted my question on the thread "Pays to Read Your State Laws". Hoping some of the legal eagles will respond. Perhaps you could do the same.
With the FCRA, if I'm not mistaken (but I may be), state laws will govern. Take New York, their law says that paid negative accts will be deleted in 5 years, not 7.
In California, negative info has to be removed after 7 years, then an unpaid tax lien (definitely negative) would be removed after 7 years, even though the federal law says 10 years?
