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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.
The FCRA does not restrict the CRAs from reporting federal tax liens on your credit report. This means that theoretically, a credit reporting agency could report an unpaid tax lien forever. However, many experts say that most credit reporting agencies will drop the tax lien from your credit report after about 15 years.