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11-03-2011, 02:11 PM
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Does a lien affect your credit?
A couple months back I had received a letter that we had an unpaid water bill and promptly sent the payment. On our next bill there was a credit for the $75 I had paid and I only owed $6... I thought it was weird but assumed maybe payment had gotten jumbled somewhere, they found a mistake and fixed it. NBD, right?
 I got a letter today stating there was a lien placed against our property due to an unpaid utility bill for $79. I called the treaurer (lien holder as I had no idea who the lien was from even though I assumed it to be from the water company) to find out what was going on. They indicated it was from the city for an unpaid sewer bill. Fuming, I go check my bank account bill pay and quickly realize that the unpaid notice must have been from the city (not the water company) and I made the payment to the wrong place! Apparently the city gives you one late notice before they place a lien (60 days!). So it's paid now and I didn't have to do anything to restart services, but what I'm wondering is if this lien that I had for all of 2 days is going to show up on my credit report. Anyone know?So unbelievably irritated at this whole situation.  
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11-03-2011, 06:08 PM
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I can't answer for sure, but we had a lien on our property when it came to a shady concrete supplier. We were able to get it straightened out after a month or two. It never showed up on our credit reports at all. (Both my dh and I have very high FICO scores, and this was a non-incident as far as our FICO - I never saw it show up on a credit report).
I don't know if it depends on the type of lien. These situations are VERY irritating.
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11-03-2011, 07:59 PM
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If you recieved a lien notice, it will likely be on your report. I personally, would go ahead and contest the lien. They may remove it if the city does not respond or show a current due balance.
You may want to view your credit report in a month before taking action.
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Marcus Tullius Cicero: The budget should be balanced, the Treasury should be refilled, public debt should be reduced, the arrogance of officialdom should be tempered and controlled, and the assistance to foreign lands should be curtailed lest Rome become bankrupt. People must again learn to work, instead of living on public assistance.
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11-04-2011, 09:46 AM
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It may be a good idea to check your credit report, for free, in a couple of months, to be sure. I second that advice - should have thought of it myself.
 It just if it is there, it will take a while to show up.
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