- Centurion Member
- Posts: 532
- Joined: Thu Jan 17, 2013 7:20 pm
- Location: United States
My wife has a similar problem where she has a small bill from a clothing retailer that somehow never made it to our house and managed to get in collection at some point....just $19. It's paid but the last time it was reported was in early 2010.
But one thing that helps in credit repair is time. Delinquencies ease pressure off your score after a year and especially after two years. Subsequent years get better and of course after seven, they end. So pay your debt quickly. You can complain and protest them (no harm in doing so...who knows what might happen). But once they are actually paid, then time goes back to being on your side. Your scores will continue to be impacted as long as they are not reconciled. And I'm betting since those debts aren't being reported as paid that they are still impacting your scores.
As for the tax lien, I'd give it another few months and if it's still there, complain to Equifax. It shouldn't be there after a decade (assuming it's paid).
All in all, a 681 given the details you provided isn't bad.
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