How to remove IRS Tax Liens from your Public Records


Given the complicated US tax system, it’s not surprising that hundreds of thousands of citizens have some kind of tax lien reported on their public records. A tax lien is filed in the event of unpaid taxes or an individual fails to file taxes.

Until very recently tax liens did report to the credit bureaus, If a tax lien had made its way onto a credit report, it would have a catastrophic effect on the credit score. In case your credit score was around 700, there would have been 60-100 point drop. Leins still show on your “public records’ and if these liens are unsatisfied this may keep you from getting approved for business loans and home loans,

 

How to delete a tax lien from  your public records without paying in full:

The only way to get a tax lien deleted in entirety from your public records is to get it either released or withdrawn.  You may pay off the lien in full and get a  “lien release,” however you can pay the lien partially and get a “lien withdrawal” from the IRS . 

 

How to get get the IRS to issue a lien withdrawal:

Firstly, as discussed, the way to get a tax lien deleted from the credit report begins with getting the lien withdrawn from the court.

The IRS allows for withdrawal of a tax lien under certain conditions in its “Fresh Start Program”  Under this program, a case for lien withdrawal can be made under the following circumstances:

  •                The tax lien is paid off in full
  •                The individual is in an IRS payment program to pay the full amount due, with a balance below $25,000.
  •                The lien was filed in error.

Exceptions and Appeals Process for lien removal:

Although this program requires that the IRS lien is paid in full instead of a negotiated settlement, the IRS may consider making exceptions and exemptions in certain cases. The same applies to having a balance over $25,000. Here too, the IRS may consider withdrawal of the lien, if it is determined that the lien withdrawal would facilitate the collection of the outstanding balance.

The exceptions mentioned above can be obtained by following an appeals process. The IRS allows for appeal after it has turned down an initial withdrawal request.

 

HIRING A PROFESSIONAL:

If you’re seeking quick and more effective results in removing negative information off your credit report permanently, then reach out to me personally at Imax Credit Repair, where we’ve dealt with the credit bureaus for over a decade and can modestly say we achieved the highest deletion rates in the industry with the credit bureaus.

Your comment and questions are welcome below.

Lastly, we have $0 upfront fees,  charge only after results, and have a 5 Star Yelp Review Rating Fees start at $849.

Contact me now for free consultation and estimate of fees.

I look forward to being of help!

About the Author: Ali Zane

Ali is a credit repair coach, writer, public speaker and consumer advocate for fair credit reporting practices. He's a practicing LDA in California Superior Court and currently serves as the CEO of Imax Credit Repair Firm. More posts by Ali Zane

13 thoughts on “How to remove IRS Tax Liens from your Public Records

  1. Okay, I was able to get the IRS to issue a withdrawal within 60 days after following these steps and the liens have been deleted off all three bureaus! I’m so grateful, Thanks so much for this information

  2. With this new law where all 3 credit bureaus removes tax liens from all consumers. Does this mean I can now sell my home & not have to pay them all that I owe ? Or do they still come after my property? Thank you in advance for all your help!

  3. This was really really awesome help, I just got a lien withdrawal from the IRS , thanks for sharing the wisdom !

    1. Hi Andrea, still go ahead and apply for the withdrawal, they’ll initially turn you down, but then you can put in an appeal stating you’re trying to get your home refi’d so you can pay the lien off sooner. This may work and is worth a shot

  4. I recently applied for an SBA loan and they did a public record search and found IRS liens that were not showing on my credit report. I need these released to get approved now. Any suggestions

    1. Hi Kevin, you’ll need to get into a payment program with the IRS and bring the balance under $25k, then you can apply for a lien withdrawal but will still need to keep up with the payments. Hope this info helps !

  5. Thanks for sharing this Ali, can you tell me how long the process of withdrawal would take ? I’ve got a lien I’m trying to get withdrawn so I can get a mortgage loan

    1. Hi Corrine, the IRS normally takes upto 120 days, but it really varies on how busy they are , sometimes it happens within 60 days. They’re pretty inconsistent unfortunately.

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