Advertiser Disclosure

Tax Lien on a Credit Report? Not Anymore

Tax liens are no longer included on credit reports. Until recent changes, they were reported for 10 years.
Sept. 19, 2018
Credit Score, Personal Finance, Taxes
NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money.
We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

Tax liens — paid and unpaid — are no longer counted on credit reports. That means a tax lien won’t impact your credit score anymore.

Previously, tax liens stayed on credit reports for seven years if paid and 10 years if unpaid. In that way, they were similar to other negative marks on your credit report.

Know where your credit stands

Check your credit report for free, every week. We'll help you monitor your credit report and track any changes.

In mid-2017, the three major credit bureaus — Experian, Equifax and TransUnion — began excluding new records of tax liens and civil judgments. The change came after the bureaus determined that these marks weren’t reliable indicators of credit risk, according to Rod Griffin, director of public education at Experian.

Consumer advocates have said these public records were inaccurate and weren’t properly updated.

About the author