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A tax lien remains on a credit report, and affects a credit score and the ability to apply for new forms of credit, for 15 years if it is not paid. A tax lien that is paid will remain on a credit report for 7 years after it has been paid.
Itâs been a long-standing reality that federal tax liens can remain on your credit reports for as long as it takes you to pay them, plus an additional seven years. They can remain that long because the Fair Credit Reporting Act -- the law that defines how long negative items can remain on your credit reports -- clearly allows it.