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Last Updated: 5/24/2013

Credit Reports

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​Consumer Reporting Agencies (CRAs) collect information about consumers, including their payment histories on debts, and compile that information into credit reports.
 
The Minnesota Department of Revenue does not report any information about debtors directly to CRAs. However, when state tax liens are recorded by a county or the Secretary of State, the documents included become public information. The CRAs collects this information and adds it to debtors credit reports.
 

Limitations on the Use of Credit Reports

The department may ask a CRA for a credit report. It contains some identifying information about a consumer, including name, former and current addresses and places of employment.
 
Credit reports can be used to evaluate payment agreement proposals or for asset research, but cannot be used by a tax auditor to determine a tax debt. Also, the Federal Fair Credit Report Act (FFCRA) does not allow third party subpoenas on CRAs if a credit report will be used to help determine a debtor’s tax debt.