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Discussion in 'Credit Talk' started by Toothman, May 5, 2001.
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I just pulled my TU at worthknowing.com. My tax lien is listed as released. I got the letter from TU saying that it was deleted. It was not on the updated report either. What is going on? curious.
That is a very good question. In California, it states that liens stay on 7 years from date filed, whether released or not.
I'm wondering if "released" liens are even scored. I hope someone knows.
BTW, Roni...could you read my novel I just posted about "the woman who knew too little"? I would love your input.
Sorry to bounce this one folks. I just feel someone on hear may know the answer.
toothman, I don't have an answer for you, BUT: my balances will soon change to zero, and I am currently disputing the entries. I will let you know how my FICO is affected either way. Hopefully will know something soon.
From what I've seen, a released tax lien has as much effect on your fico as a paid judgement or collection.My experience was I took about a 100 point hit for a tax lien.(Over $100k)when I paid it had about a 50 point effect on my fico. Now more than 5 years old, I don't think it hurts me more than
10-20 points as paid/released.
Where it does get you is on a few prime lenders requirements that there be nothing negative on your report before granting credit or having to jump through extra hoops and explain it.
Wow, VJ....I had no idea those things were so deadly. Thank you for the update. A 100 point hit???
According to this page:
"Serious delinquency, derogatory public record or collection filed" is a reason the score could be lowered.
But it doesn't say anything about distiguishing between accounts that are paid and those that are not.