Silly me, thought there was a special BK just for taxes, not CC

[Gonzo]

Sorry life has overwhelmed me of late, my husband had a compression fracture of his lumbar spine and one of our dogs needs to be put down due to cancer and Christmas is around the corner and I've gotten sick....ugh....when it rains it pours!

But, I had to answer this question about the IRS and the NC Dept of Rev. reporting on my credit report. Yes, I believe they have. I have pulled my credit report from all 3 bureaus and it's the first thing you see on Transunion and Experian, Equifax has it on the last page. The taxes are all listed under the heading of "Public Records". As for my credit score, it varies from the low 500's to the high 500's. Prior to the tax liens being reported I was in the mid to high 600's. So since it's on my credit reports doesn't that mean it's been reported? Or is it reported only because it's a public record? I'm confused. Either way it seems to have affected my credit scores with all 3 agencies. And the amount of tax I owe now with penalties and interest being piled on for the past 3years has hit the $100,000 mark.

That's exactly what I mean Butterfly57. What you see on your report is the information from the public record - just as your report states. The IRS did not report anything to the credit bureau. The credit bureaus pick up info from the public records w/o any assistance from the creditors.

It's the same thing for judgments. When you see judgments on your credit report, they are not reported by the creditor. Judgments are pulled from the public record. The last entry from the creditor might be sold, charged off, settled, etc. But the creditor will not report as "judgment."

I know nothing about whether the state of NC reports to the bureaus. I was only referring to the IRS.

[Gonzo]

Butterfly57, my best to you. I know it is very cliche, but most things in life do pass. We usually get the chance to recover and look back on the bad times.

I got very ill and suffered a setback. But I have learned so much with the extra time I have on my hands. I learned how to fight debt collectors in court and so far I have defeated all 3 lawsuits. No matter how bad, there can be something positive.

Hope you have a nice Holiday.

[butterfly57]

Butterfly57, my best to you. I know it is very cliche, but most things in life do pass. We usually get the chance to recover and look back on the bad times.

I got very ill and suffered a setback. But I have learned so much with the extra time I have on my hands. I learned how to fight debt collectors in court and so far I have defeated all 3 lawsuits. No matter how bad, there can be something positive.

Hope you have a nice Holiday.

Thank you Gonzo, I appreciate the kind words. I do have to admit that all the bad times and experiences I've had in my life have taught me huge lessons and I've grown stronger because of them. It just seems like it's been a constant for the past 5 years and I'm just getting so darn weary. I know I don't have it as bad as some people have it, etc. etc. but I'm missing my Mom who I lost to cancer last year, husband has this fractured back now and possible cancer (abnormal labs) and sister had cancer cells discovered in a biopsy, now the darn dog too......I do my best to support everyone by being there and listening and all but whew it's hard. Then dealing with creditors (I just don't answer the phone, stopped paying one credit card), the IRS notices, the NC dept of rev who is ruthless and froze my bank account and now preparing for BK. When it rains it definitely pours!