Will a Mechanics Lien affect my credit report ?

Hi Credit Guru,


My question is: My General Contractor did not pay sub-contractors who worked on my new house. Consequently, one of them is placing a lien on my house. Will the lien on my house affect my credit?

This is a good question. No a lien against your house will not affect your credit report and credit scores. This mechanics lien that is being put against your house will affect your ability to sell or refinance though. In otherwords it will affect the title of your home.

Here is a list of what will affect your credit report.

  • Late payments to creditors
  • Public Records, like judgements, bankruptcies, tax liens, etc…..
  • Over charging on your credit cards
  • Collections
  • Too many inquiries on your credit report
  • Identity Theft


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