Have a Tax Question? Ask a Tax Expert
No. The credit bureaus are private companies, and choose to do things the way they do, without regard to anything other than what the law MAKES them do.The applicable here if the Fair Credit Reporting act, and it does not require the credit bureaus to remove liens from the report ... at all.They are required to report that the lien has been paid, but that is all.All three of the credit bureaus (as you probably know) DO currently have a policy of removing these and other negative issues after 7 years.What you CAN do is have your credit reports frozen, so that no one can see them.The California law on security freeze is in the California Consumer Credit Reporting Agencies Act, at California Civil Code §§ 1785.11.2-1785.11.6 and 1785.15Here is the California Attorney General's page on how to do that:http://www.oag.ca.gov/idtheft/facts/freeze-your-creditHope this helps
Are you telling me that I cannot find any attorney that can challange the CBs and have them take it out from my public record?
Any attorney will tell you that the Fair Credit Reporting act is the governing statute, and that there is no recourse here. As we have discussed, your public record HAS be cleaned up. You credit report with the bureaus (private companies), however, is a different matter. That we must all live with what they say is common knowledge.