The nation’s three largest credit-reporting agencies: Equifax, Experian and TransUnion, have implemented new stricter standards for the reporting of tax liens and civil judgments.
As of July 1, 2017, a tax lien or judgment will only be listed on a consumer’s credit report if the record includes the person’s full name and address, full social security number and his or her date of birth. If any of these identifiers are not present in the data, the record will not be reported as a match.
In most filing jurisdictions across the United States, a social security number and date of birth are not collected by the filing office in conjunction with the filing of a tax lien or judgment. Or, if collected at the time of filing, are redacted from the public document and not included on the record index.
So, in effect, these agencies have ceased reporting nearly all tax liens and judgments on the credit reports they produce – slowing the discovery process for lenders and others who rely on them and increasing their risk.