Ask Agard

**Every month I answer a Real Estate, Entrepreneurship, or Credit question from one of my clients. Questions vary from what to do when buying or selling a property, to how to effectively operate a business.

Q: I still have a paid off tax lien judgement on my credit report, how do I get it off?

A: Unfortunately, this is something that I see alot when I qualify someone for a mortgage. You work hard to pay off a delinquent tax lien a few years ago and then you pull your credit report and see that the county still has the judgement on your report. This can negatively impact your credit score and cause you to be denied a loan. Many lenders do not want to give a loan to someone with a tax lien for fear that the county can seize the asset.

Old judgements are very easy to clear off of your credit report within 30 days. First, dispute the item with all three credit bureaus (Equifax, Experian, and Transunion). If you do not dispute with all three, you may still have the judgement showing on your report.

Many times the county will not even bother to respond by a request to validate an account from the credit bureau, especially if the account is paid and closed out. By the county either not responding within the 30 day period, or the county confirming that the account has been satisfied, the credit bureau will issue you a new and updated report with a higher credit score!!!

For more information on removing tax liens, judgments, and other derogatory accounts, order my new book

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