Nov
23
2011

Steps for removing a tax lien filed in error

Dear Experian,

I had a lien on my account in 1999 from the state of South Carolina for payroll tax. I have a letter from them stating that the lien was filed in error, but it is still on my credit report. What can I do?

- DMW

 

Dear DMW,

There are three things you should do to ensure the lien is deleted from your credit report.

First, you should contact the court or office where the lien was filed and make sure it has updated its records to show the lien as vacated or filed in error.

Second, obtain a copy of your personal credit report directly from Experian, if you haven’t done so already. You can get your personal report free once every 12 months at http://www.annualcreditreport.com/. You also can get a free report if you have adverse action taken, such as having an application declined.

Third, follow the instructions provided with your personal report to dispute the lien as filed in error. Make copies of any documentation you have that shows the lien was filed in error and mail them to the address listed for disputes on your personal Experian credit report. You should also provide your name, address, credit report number, Social Security number, and a clear, concise explanation that you are disputing the lien as filed in error.

Experian will contact the source of the information with your dispute. The court or office should then instruct Experian to remove it. You should receive the results of the dispute in 30 to 45 days.

Thanks for asking.

- The “Ask Experian” team

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