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How to Remove Liens from Your Credit Report

Liens on your credit report can significantly impact your credit score and financial opportunities. Learn how to address and potentially remove these liens with expert guidance from The Credit Pros.

Understanding Liens on Your Credit Report

A lien is a legal claim against your property that serves as security for a debt. There are two main types of liens that can appear on your credit report:

Tax Liens

Filed by government agencies for unpaid taxes. As of 2018, most tax liens no longer appear on credit reports, but some older liens may still be present.

Judgment Liens

Result from lawsuits where a creditor wins a judgment against you. These can significantly impact your credit score and remain on your report for up to 7 years.

Expert Video Guide

Video courtesy of Credit Card Insider - Learn more about removing tax liens from your credit report

Steps to Remove Liens from Your Credit Report

  1. Review Your Credit Report: Obtain free copies from AnnualCreditReport.com and carefully review for any liens.
  2. Verify the Lien's Accuracy: Check if the information is correct and if the lien is still valid.
  3. Pay the Lien (if valid): For valid liens, consider paying them off to improve your credit situation.
  4. Request a Release: After payment, obtain a lien release from the creditor or government agency.
  5. File a Dispute: If the lien is inaccurate or paid, file a dispute with the credit bureaus.
  6. Consider Professional Help: Credit repair experts like The Credit Pros can guide you through complex cases.

The Credit Pros Can Help

Removing liens from your credit report can be a complex process. The Credit Pros, with our A+ BBB rating and years of experience, can assist you in navigating this challenge. Our experts can:

Success Story

"The Credit Pros helped me remove an old tax lien from my credit report that I didn't even know was there. My credit score jumped by 85 points!" - Sarah T., Verified Client

Take Action Today

Don't let liens hold back your financial future. Whether you're dealing with tax liens, judgment liens, or other credit issues, The Credit Pros are here to help.

For more information on credit repair and your rights, visit the Federal Trade Commission's credit page