Just to clarify, they neglected to satisfy an unpaid debt, prior to closing on the property in 2002, that evolved into a lien. Apparently, this debt was sitting idle until the utility provider applied the lien to this investment property in 2010.
Correct me if I am wrong, but when a title search is conducted, by a refinance company as an example, any liens whether it be on an investment or primary residence still fall back to my credit.
Response: I am not sure that I understand where you are going with this. If you are doing a refinance on a property, the search is done on that property. If you used that property for collateral for another property, then the search would also be made on the other property.
I asked the refinance company why it showed up since it was attached to an investment property and not the property (my primary residence) I am refinancing and they stated that the search will find anything that is attached to my name.
Response 2: That is correct if they are searching by name instead of by property address.
Im not sure how this doesnt impact my credit. Liens do not reported to credit agencies?
Response 3: Liens are generally not reported to the credit bureaus. Only the underlying debts are reported.