I have a tax lien from 2014 that was paid in 2015. the money were taken from my federal income tax, when I called about it in 2016 MDES sent a letter stating: you are hereby authorized to cancel and mark satisfied of record that certain warrant for collection of overpayment issued by the MDES which was enrolled upon the judgment..... the judgment is to be cancelled due to the indebtedness having being paid in full.
What the MDES had was a statutory tax lien that was enrolled in the judgment rolls in your county, which should be Rankin if you are from Flowood. Credit bureaus are entitled to report accurate information. Once the MDES sends notice to the County Court Clerk that maintains the judgment rolls that the debt has been satisfied, the credit bureaus should continue to list that there was a lien, but should show that the lien was satisfied on the date that occurred because that is accurate information.
The MDES is notorious for not sending a letter to the the County Court Clerks, or in the smaller counties, the Circuit Court Clerks, advising the clerks that its lien has been satisfied. Thus, you need to check the judgment rolls periodically until you see that the judgment rolls show that the the lien was satisfied. You may have to contact the MDES and request that the letter be sent more than once.
If the bureaus have not be changed to show that the debt was satisfied and the lien was released within 30 days of that happening, you should send a a dispute letter to the three credit bureaus or dispute the info online, requesting that the liens be shown has having been satisfied and released with a $0.00 balance.
Although the fact that was once a lien still will be a negative on your credit report, once the lien is shown as having been satisfied and released and has a $0.00 balance, that will be less of a ding to your credit score and the more time that passes after the date the lien was satisfied, the smaller the ding. However, the fact there was a lien will remain on your credit file for around 6 years.
Answers and comments provided are for general discussion only. My comments are not to be considered legal advice and they do not create an attorney-client relationship.
There is a difference between a "satisfied" lien and a "removed" lien. What you have shows that the lien was paid ("satisfied"), which is helpful for your credit rating, but is not the same as its removal - as though it never existed.
Paying a debt does not result in it being removed from your Creek report. Just like getting an A on a test doesn't convince your Mom that your punishment for getting a D on your last report card should end. The repercussions of a tax lien or any public record will remain on your credit reports for many years, paid for or not. Hope this perspective helps.
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