7-year
1 Tax liens. 2  Paid tax liens will typically stay on your credit report for seven years from the date released (paid), while unpaid tax liens can remain on your credit report for 15 years. 3  Bankruptcies. 4  In general, the public record of a bankruptcy can stay on your credit report for 10 years. How long negative information appears on your credit report depends on the type of information: 1  Late paid accounts. 2  In general, negative information will stay on your credit report for seven years from the date of last activity. And the IRS can file a lien quickly, in as little as ten days after you are notified that you owe taxes. So if you get a notice that you owe Uncle Sam money, resolve it quickly before you end up with serious damage to your credit report! If tax liens have already been filed, resolve them as quickly as you can. The Fair Credit Reporting Act says: “Paid tax liens which, from date of payment, antedate the report by more than seven years” (cannot be reported). If this is a federal tax lien, you may want to find out if you qualify for the Fresh Start program to have it removed. The length of time that a tax lien may stay on your credit report depends on the payment status of the lien. Paid (or satisfied) tax liens may not be reported more than 7 years after the date of payment. 15 U.S.C. 1681c(a)(3). Tax liens that are un-paid may be reported for more than 7 years after the tax was first due. The Federal Trade Commission (FTC) has taken the position that tax liens may be reported so long as they remain filed and effective. FTC Official Staff Commentary §605(a)(3) Item 1. Information that can have a negative impact on your score includes hard inquiries, accounts that have gone to collection, bankruptcies, tax liens and judgments. To start with, inquiries remain on your credit report for 2 years (24 months). Most negative information remains on your credit report for 7 years, with a few exceptions: Credit Accounts. Negative account information remains on a credit report for 7 years from the date it was first reported as late. A tax lien remains on a credit report, and affects a credit score and the ability to apply for new forms of credit, for 15 years if it is not paid. A tax lien that is paid will remain on a credit report for 7 years after it has been paid. This 7-year period can cause the tax lien to remain on a credit report for more than the original 15 years, or less, depending on when it was paid. A tax lien that is paid after being on a credit report for 2 years will be on the credit report for a total of 9 years. A tax lien that is paid after being on a credit report for 12 years will remain on that report for a total of 19 years 1 Judgments remain on file for seven years from the date filed, whether satisfied (paid) or not. 2  Paid or released tax liens remain on file for seven years from the date released or 10 years from the date filed. 3  Unpaid or unreleased tax liens remain 10 years from the file date. 4  Bankruptcy. Public Records. 1  Accounts paid as agreed will generally stay on your credit report for up to 10 years from the date of last activity. If you’ve paid off your mortgage, for example, that positive information can stay on your credit report for up to a decade from the account’s date of last activity. How long negative information appears on your credit report depends on the type of information: 1  Late paid accounts. 2  In general, negative information will stay on your credit report for seven None of that is true, Jeez!!! Read the FCRA. Tax liens stay for 7 and a half years after released (Paid) if not paid they stay forever. The statute does not make differences between State of Federal liens so the state would try to keep it on your credit until 7 and 1/2 years after you pay it. There is a possible work around.... The Fair Credit Reporting Act says that paid tax liens may be reported for seven years after they are paid. Specifically it says: “Paid tax liens which, from date of payment, antedate the report by more than seven years.” So it would depend on when you paid it, not when it was filed. The Fair Credit Reporting Act says: “Paid tax liens which, from date of payment, antedate the report by more than seven years” (cannot be reported). If this is a federal tax lien, you may want to find out if you qualify for the Fresh Start program to have it removed.
http://blog.equifax.com/credit/how-long-does-information-stay-on-my-credit-report/ https://www.credit.com/debt/old-tax-liens-on-your-credit-report/ http://itsyourcreditreport.com/2011/10/03/how-long-does-a-tax-lien-stay-on-my-credit-report/ http://finance.yahoo.com/news/long-does-negative-stay-credit-040114812.html http://www.ehow.com/about_5035060_long-liens-stay-credit-reports.html https://help.equifax.com/app/answers/detail/a_id/164/~/length-of-credit-history http://blog.equifax.com/credit/how-long-does-information-stay-on-my-credit-report/ https://answers.yahoo.com/question/index?qid=20091005011311AAiaLGt https://www.credit.com/debt/old-tax-liens-on-your-credit-report/
how long does a satisfied tax lien stay on credit report