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rupleb

Member since: January 2010

Total Contributions: 1

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I have a "thin" file. How will this affect me qualifying for a mortgage loan?

I need help please...
just noticed that my husband has one public record. This is a lien for the state of Michigan because 2 years ago we owed the state from our income tax, I did the right thing and made arrangements with dept. of treasury- we never missed a payment, never late- will be paid off next month.

They say it is state law that if it is not paid in full after 90 days, they have to report it to the county I live in. They didnt tell me that when I did everything right and made the arrangments. Once it is reported to the county- the credit places pick it up.

so now this will be on the cr for 7 or 10 years- even though it is marked as "discharged" I dont think it is the "publics' business that we owed the state from our income tax (as thousands of people do) and since we paid like we were suppose to,why does it have to damage our credit?

Are all states this way?

Is there anything I can do to get it removed? Or to at least show I paid on time for 2 years.?

At this point our files are thin (with no credit at all).

How bad is a discharged public record?

thank you anyone who can help

Response posted 2 years ago

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