Get Your New York State Tax Lien Removed From Credit Report

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

How to Get Your New York State Tax Lien Removed From Credit Report

New York State may place a lien on your property if you owe any back taxes. This authorizes the state to confiscate your property to recoup the sum owed in back taxes. You can get the removed from your credit report if you've cleared your back taxes.

However, most credit reports contain some inaccuracies, whether it's an incorrect entry on how an account was terminated, out-of-date information that shouldn't be on your file, or accounts that aren't yours at all. Cleaning up your credit reports involves removing inaccurate or outdated information as well as correcting any errors. DoNotPay can help you get your credit record in order.

What Is a New York State Tax Lien?

A lien on your property means that the state has the authority to seize your property and funds to collect taxes. A lien hurts your credit score because it is a public record.

Properties seized may include buildings, financial accounts, vehicles, and equipment. It's also possible that your driver's license will be suspended. Because creditors will see the lien while checking your credit score, being granted a line of credit will be tough. These substantial repercussions make it worthwhile to resolve your New York State Tax Lien Status as soon as possible.

Navigating Your New York State Tax Lien Credit Report Status

Even as the state may report your freed lien, you must still take action to have your lien expunged from your credit report once it has been released. You should obtain an authorized copy of the release and send it to each of the three major credit bureaus.

What Should I Look For in My New York State Tax Lien Credit Record Dispute?

To run a credit record dispute, you will need to look for errors and inconsistencies in your Credit Report compared to your New York State Tax Public information Record. You will have to confirm that the personal information is correct and matches both records, especially as tax liens are often misrecorded on credit records with confusion over similar names. You will have to confirm that the accounts listed are indeed yours and are up-to-date.

How to Dispute and Remove New York State Tax Lien From Your Credit Report

1. Dispute the information with the credit reporting Bureau

If you find an inaccuracy in your credit report, contact the credit reporting organization (Experian, Equifax, or Transunion) to dispute the information. You should write down what you believe is wrong and why, as well as copies of any documentation that supports your claim.

Your Mailed Dispute letter should include the following information:

  • Contact information including full name, address, and cell phone number
  • A confirmation number if present.
  • An explanation of why you are contesting the information; clearly explain each inaccuracy, such as account information for any account you may be disputing.
  • A request to have the data deleted or rectified.
  • A copy of the section of your credit report that contains the disputed entries, with the disputed items circled or highlighted.
  • Copies of documents supporting your claim.

You can also send your dispute letter to credit reporting organizations via certified mail and request a return receipt so that you have proof that your letter was received.

2. Dispute the information with the State of New York

If you cleared your back taxes but still have a credit record on it due to the state's reporting, you can lay a claim to them with all the documentation proving cleared taxes. You can also write to the state asking for debt validation. If the credit record is due to old information on bills you have now cleared, you can write a Goodwill removal request letter to the state to clear your record. With the Goodwill letter, you can increase the chances of a response by using the saturation technique.

Credit reporting bureaus are obliged to examine your dispute, transmit any documentation to the furnisher, and inform you of the outcome. If the furnisher corrects your records following your dispute, it must notify all of the credit reporting bureaus to which the incorrect information was supplied so that their reports can be updated as well. Here at DoNotPay, we will work out all the possible means, including crafting well-researched and actionable letters to push your claim.

Suing for Unresolved Credit Record Disputes

If your claim goes unresolved, you can prepare the requisite documentation and send demand letters to your CRB or the furnisher in court. DoNotPay's Small claims court product comes in handy when going into such civil litigation.

How to Clean Up Your Credit Report Using DoNotPay:

If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in three easy steps:

  1. Search Clean Credit Report on DoNotPay.

  2. Prepare a recent copy of your credit report that you can use as a reference.

  3. Let us guide you through the four potential options:
  • If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.

  • If you notice any errors in your report (we have a list of common errors you can use), we'll help you file a credit dispute to the creditor or major credit bureaus.

  • If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report, and they can't collect it.

  • Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.

You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more.

Why Use DoNotPay to Clean Your Credit Record?

FastYou won't have to use up plenty of time crafting dispute letters and managing correspondence.
EasyWe will do all the heavy lifting for you.
SuccessfulYou can rest assured knowing we'll make the best case for you.

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