How do I dispute a negative statement on my credit report?

Question

I'm in the U.S. Army. Shortly after filing my indiana states taxes for 2005 I deployed to Afghanistan. I apparently owed the state revenue service around $40. I am pretty sure I acknowledged this before I deployed but I guess it slipped my mind.

Apparently the revenue service tried to get a hold of me (which they obviously weren't able to) regarding the situation. Eventually, a sheriff was sent to the address listed on my Indiana state driver's license and the state revenue service reported a no payment tax lien on my credit report.

All in all, the state got their crummy 40 bucks but I have the negative hit on my credit report.

I was turned down for a car loan because of it. Am I able to dispute this? If this had been under normal circumstances I would have been on top of things and this thing would have gotten paid before anything bad happed.

Answer 1

I agree with Steven F. It can't be removed. However, since you are aware of it, whenever you apply for a loan, you can add a statement explaining your side of the story along with your credit application.

Answer 2

Unfortunately, disputing this with the credit bureaus won't help. The information is TRUE, so it won't be removed. You can probably get the lien removed by the State of Indiana if you document your deployment (a copy of your orders will do) and pay the $40. If they cooperate, they will take care of your credit report.

For those who have INACCURATE information on their report to dispute, visit each bureau's website to find instructions for disputing an item on your report. I will assume anyone reading Yahoo Answers has access to the Internet.

Answer 3

i've got performed it with experian on line and had approximately 4 products bumped off I did them on an identical time some have been bumped off interior of two weeks others have been bumped off on the 30-40 5 day mark. I disputed addresses, collections.