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orgaknight's Achievements

CIC Member

CIC Member (4/6)



  1. The question is "is it yours"? If it is, it will stay on and probably show up on the other two (or more) credit bureau listings. They stay on for seven years AFTER YOU PAY to get them off. If the lien is valid, you will need to negotiate with the IRS (I presume they are the source of the Lien) to have them withdraw it if you agree to a payment program for the debt. Once they issue the "Withdrawal" you can send a copy to the Credit bureaus and they will quickly remove it. If the IRS will not negotiate this, contact your congressman/woman, state your case, and ask to be referred to the Taxpayer Advocates office. If your case is referred, the TaxPayer Advocate can order the withdrawal of the Lien, provided you agree to a repayment program. I have been there and done that. If it is not yours, you should have no problem contesting it and having it removed.
  2. I want to join a credit union, but don't think it is a good idea until an old repo falls off my report later this year. It is already off of my experian report, but transunion and equifax will report it until May. I heard that credit bureaus pull a credit report when you join and I don't want them to have a record of the repo, when I apply for an auto loan later this year. Do you readers agree with this strategy or am I being paranoid? TU 648, EQ 633, EX 610
  3. Lastly, I don't care if you don't want to take the time to spell something out or refer the reader to a more informative posting. That's find by me, all I did was ask. Rest assured that I will take the time to be clear in my communications with people on this board and will hope that other like minded and good mannered people will do the same, so don't you worry about us ok?
  4. I also contribute as well as being very busy. I have responded to a couple of people having problems with Tax Liens and issues, my speciality. Don't assume that posters don't contribute. I have learned a lot here and have found most posters and moderators to be kind and helpful until now.
  5. We agree to disagree! For those of you who are not arrogant/lazy and are willing to be considerate to newbies and others reading the thread, please be clear if you are communicating concepts. For many of us, a visit here is a stolen moment in our busy lives and we don't have much time to search endless threads, looking for information when we could get the information from the thread we are reading. I will do my best to follow this approach. And oh by the way, you can be very sure that I am not kidding about that! So dispense with the patronizing drivel responses to those you think you can push around.
  6. Perhaps instead of refering newbies to search for acronyms add nauseum, you might just take a few extra keystrokes and spell it out and save everybody the search time so they don't have to leave the thread to figure it out. It would be a nice gesture not to assume everybody knows the acronym meaning for WaMu.
  7. Is WaMu a killer whale? For those of us who do not know what WaMu is, please explain. Thanks.
  8. If it is an IRS Tax Lien, It will stay on your credit 7 years...AFTER it is paid, unless you can get them to agree to remove the listing.
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