reader question: incorrect tax lien on Experian
Written by Ryan on July 17, 2008 – 4:17 pm -
Ryan I came across your blog and my compliments.
I have a discharged bankruptcy 7 that will be 7years this July 9th. If i dispute enough will it come off or will it fall off on it’s own? Also can you recommend wording on how to dispute?
I also have a incorrect tax lien with Experian. The other two agencies removed it right away but it’s going on 4month and still nothing…any advice?
[name removed]
Hi [name removed]
By now the Bankruptcy should be gone — if it’s not, dispute it and simply state that the credit bureaus are required by law to remove derogatory credit marks after 7 years Correction - Chapt 7 bankruptcy will remain for 10 years. Also, you need to dispute the incorrect tax lien with Experian by demanding that they provide proof that it is your account. Request in your dispute letter the following items:
- name of person providing the data
- manner which it was provided
- date of lien
Hope this helps.
Best,
Ryan
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