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Vicki3546

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Will the lein be off my account in 7 yrs?
How can you clear your credit without paying someone to do it for you?

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If the tax lein is paid, it will disappear in 7 years.  If not, it will stay for 10 years.

DO NOT pay someone to "fix" your credit!!! The so-called credit repair companies are of questionable ethics and usually do more harm, plus they cost you money. 

Your first step is to check your credit reports to make sure only YOUR information is on them.  Go to annualcreditreport.com and get copies of all three credit reports.  Should you find errors (an likely will) file disputes with the credit bureau reporting them.  They then are supposed to investigate and either verify or delete the disputed items. nDo this checkup once a year.

Since you do have credit and used it and likely have debts, it's time to "pay the piper" so tospeak.  You are going to have to be very regular in making payments.  That is a major factor.  But, you have to prioritize your expenses and develop a realistic spending plan (budget is such an ugly word).

You can get help here using the debt repayment calculator and reading some of the articles that you will find in the left column of this page. That is what this site was developed for--as a learning tool to help people make intelligent credit decisions.  Please use them.  

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