do statutory or judgement liens affect your credit 
involuntary liens can negatively affect your credit liens don t appear on your credit report but they are available through public records so potential lenders can learn about them in addition if the lien resulted from your failure to pay a bank or real estate loan those missed payments will be reflected on your credit report which can cause major damage to your credit score your payment history is the single most important factor that credit scoring models such as fico use in assigning you a score 4