Right now my scores are all around 605-610. I have 3 colls all paid, 1 fed tax lien paid, and 1 tax lien from Florida..UNPAID. I have about 6 diff cards from the usual bums like cap1, hhb, etc. My oldest is about 3.5 years, and they all are perfect. not a single late. I also have a mtg from oct 2002 paid on time., I know my credit is heading in right direction, Im at about 90% utilization on my charge cards, but will pay them off within 90 days. That alone should pump my score up. My question is this, does anyone think I should try to pay or clear the state of fl lien. It is for 3000, and will be 10 years old in December. When I got my mortgage last year they Mtg company wanted me to pay off the lien, which was no problem..then they came back and said don't worry about it . I am now in middle of refinance, and lien won't matter as it is a VA IRRL. I don't want to reopen a can of worms in FL (I live in MI now), Seeing as it is so old, and getting older should I even worry about it. How bad will this thing haunt me? Sorry for suchh long post, and thanking you for any help in advance
