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HansPfitzner

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Will unpaid IRS debt, not appearing on creditkarma, appear on mortgage application?

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When you file for the mortgage application, one of the items they routinely ask for is your Tax returns.  If the tax returns indicate a payment due, they'll ask for validate of the paid tax as well.    Thus, if the unpaid tax is from a return not filed, you will be missing a document and you won't see your approval.   You should contact the IRS to make it right before they file the necessary public notice so that you will have what you need in order to qualify for that loan.

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I would venture to say yes, regardless if it's on your credit reports or not. Mortgage companies/underwriters are very good at sniffing out any unpaid taxes.

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If it is not showing here (Credit Karma gets info from only two of the three credit bureaus) it might be on Experian and you will see it when you do the recommended annual credit report check.

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