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Posts: 1
Registered: ‎03-05-2013

Property Liens

I recently had a lien placed on my condo from a special assesment/HOA fees.  The lien was paid off in a week after the submission and 2 weeks later a lien release was completed.  Does a HOA lien affect your credit???  Will this situation create credit damage?


Thanks for your help!!!

Valued Contributor
Posts: 1,057
Registered: ‎09-29-2009

Re: Property Liens

It would depend on whether they actually went to the county courthouse and filed a lien through the judicial system. If so then it becomes a public record and COULD end up on your credit reports. Note that in most jurisdictions (if not all) the court itself does not make reports to the credit bureaus. (This is not always true in child support cases but that's a different issue.) There are data collectors who go through the court files and gather public record information for the credit bureaus, but that does not mean they will catch all of them. And since yours was opened and satisfied so quickly they may not even bother to report if they do discover it.


I'm sure you know but it's always best to head these things off if possible and avoid the necessity of liens and judgments which can affect our credit files for a long time. The first response, even if you can't afford to pay or settle is to simply show up in court and challenge them so they don't get a default entry.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

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Frequent Contributor
Posts: 472
Registered: ‎03-29-2011

Re: Property Liens

[ Edited ]

While tax liens will show up on a credit report I have never heard of other types of liens such as yours showing up. similar to a mechanics lien, the special assessment is against the property, not you personally.

New Contributor
Posts: 136
Registered: ‎02-20-2013

Re: Property Liens

I believe the answers here are correct. Unless it was filed with the courts as a public record, it doesn't show on your CR as a baddie. Now, your HOA may classify it as a collection account, so I'd check on that. Or, they may not report it at all and keep it in house. Keep your records!


I have a lien on my auto (I went myself and did it at the DMV), which turned my USAA personal loan into an auto loan. The fact that it's a lien is not mentioned in the CR, and just shows up as an auto loan.

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