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Stacey Said:

A recent credit check has shown a tax lien. IRS and state and have nothing in file. What should I do?

We Answered:

File a dispute with all credit agencies. Complain to the FTC. write the IRS. Put a hawk alert on your file if you suspect identity theft.

Eileen Said:

I owned Federal tax in 2007, paid with a check in 2008. So when I file 2008 tax, how do I claim that credit?

We Answered:

Money is taxed in the year earned. Period. Money that you earned in 2008 is taxed when you file for 2008 (in 2009), even if you used that money to pay 2007 taxes.

There is no credit that you can claim to avoid this.

However, if you paid STATE income tax, then you may be able to deduct that, if you (1) itemize, and (2) do not deduct any sales tax.

Ken Said:

How Does One Recover From A CIFAS Note On Their Credit File?

We Answered:

You shouldn't have done it, but you know that so I won't go on about it, its just to warn other people not to do the same thing.

Having a CIFAS note isn't the end of the world though. Automatic computer programs that make decisions will refuse you credit instantly, however cases where the decision is made by a human are different, and there are cases where it can be overlooked, its entirely down to the lenders discression.

The positive news for you is than unlike defaults etc which stay on your credit file for 6 years before they are taken of your credit file, CIFAS notes only stay on your credit record for 1 year. So 1 year and 1 month (it takes a month after the time period to have it removed) you will be clear again, its not a life sentence.

Bear in mind though that you were lucky. Although it seems like a small white lie and doesn't seem that bad, you can be prosecuted for this, its down to the lender if they decide to press charges. You could end of ended up with a prison sentence.

However, put it behind you now and move on, you probably won't get credit for the next year, but after that it will be as if it never had happened. Just make sure you make every payment on time for any other credit you have, so after the year there will be nothing else affecting you.

If you want to check this out, do a search on google for "How long does a CIFAS Note stay on file". There are a number of references that confirm it only lasts a year.

Vivian Said:

If I already have a voluntary surrender on my car and have over 20 g's in credit debt should I just file?

We Answered:

Your filing bankruptcy is something you'll have to decide to do. It is an option that you have. If you can't pay the balance due from the repo....doesn't matter whether you volunteered or they repoed, if there is a balance and you don't pay it, they will seek to sue you, garnish wages, and/or bank accounts 100%. Best advice is to contact a bankruptcy attorney and once they look over the required information they can advise you on what you can and can't do. Bankruptcy should be your absolute last resort. Even though your credit is trashed now, the bankruptcy will stay on your credit report for 10 years, debts for 7. It can have an effect on future employment, apartment renting if they check credit and an loans within the next 10 years, will be at a very high interest rate. Some things to think about before going the route of bankruptcy. Most attorney's will see you free the first time. You can review more bankruptcy information at their website This is an excellent site if you don't know much about filing a bankruptcy. Good Luck!!

Randall Said:

How to file amdended tax return for two individuals filing for first time home buyers tax credit?

We Answered:

You can split the credit any way that you wish if you are both eligible, or either of you can claim the entire credit. If you choose to split it you'll both need to amend your returns. Do NOT mail the amended returns in the same envelope!

File amended returns using Form 1040-X and attach Form 5405 to claim the credit. To expedite processing, attach a photocopy of the HUD-1 settlement sheet and a photocopy of the recorded deed. Wait about 4 months for your check(s).

Form 1040-X:…

Form 1040-X instructions:…

Form 5405: Your Ad Here

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