Dear Dejain (and Motley Fool), it takes 3 years and a TON of due process for a Tax Lien to appear on your credit report, I worked in credit for a number of years and have seen hundreds of cases such as this. 3 years is the waiting period for the State to foreclose for a Tax Lien and only at that time can they submit a late pay onto your credit report, they do not operate like the credit card companies and submit monthly. You (and Fool) are not as knowledgeable as you think you are.