Does a Notice of Federal Tax Lien appear on my credit report?

Since April 2018, Notices of Federal Tax Lien no longer appear on consumer credit reports from Equifax, Experian, or TransUnion. However, a NFTL is still a public record filed at your local county recording office. It will appear in mortgage applications, title searches, and background checks that access public records — which can block refinancing, property sales, and some lending.

What is the difference between a lien release and a lien withdrawal?

A lien release is issued when the debt is fully paid — it satisfies the legal claim but the NFTL remains in the public record. A lien withdrawal removes the NFTL from public records entirely as if it was never filed, which is significantly better for your financial standing. Withdrawal is available in specific circumstances including after full payment with three years of filing compliance, or if you owe $25,000 or less and have a Direct Debit Installment Agreement with three consecutive payments made.

How do I request a withdrawal of a Notice of Federal Tax Lien?

To request a NFTL withdrawal, complete IRS Form 12277, Application for Withdrawal of Filed Form 668(Y). The IRS will review your request and notify you by letter if it is approved or denied. If denied, you can request a conference with the IRS Independent Office of Appeals using Form 9423. For complex lien issues including withdrawals, contact your local IRS Collection Advisory Group.

What is a Notice of Federal Tax Lien?