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Step 1
Get a copy of your credit report. There are a number of different sites on the Internet in which you can get a copy of your report. Once you have it, turn to the public record section to check for any liens held against you. You should be familiar with the organization who is holding the lien. Look at your own records to see if you have paid it off or not.
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Step 2
Contact the company holding the lien against you and find out exactly how much you owe if you have not paid off the lien. Pay the full amount that you owe as soon as possible. If you do not have enough money, ask if you can make payments. Once you have paid the amount in full, request that they send you a notarized letter confirming that you have paid the money you owe them. Ask which courthouse they use to file the lien against you.
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Step 3
After you receive the notarized letter with your payment confirmation, go to the courthouse where the lien was filed. Present the letter to the courthouse as verification that the lien has been settled and request that it be removed from your credit report. Make sure you save a copy of the notarized letter for yourself.
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Step 4
Wait sixty days before you check your credit report again, as it can take up to that amount of time to have the lien removed. Get another copy of your credit report and check the public records section to make sure the lien has been removed.
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Step 5
Send a copy of your notarized letter to the credit bureau if the lien has not been removed from your report sixty days from the time you visited the court house. The credit bureau will investigate whether or not you have paid off the lien and make sure that it is removed.
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Step 6
Get another copy of your credit report to verify the lien has been removed.
