Credit Advice

Filing a homestead exemption won’t affect your credit report


Have a question?

Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

Our policies
The information contained in this column if for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation.

Please understand that Experian policies change over time. Column responses reflect Experian policy at the time of writing. While maintained for your information, archived responses may not reflect current Experian policy.

Credit Advice

Filing a homestead exemption won’t affect your credit report

Dear Experian,

My credit is in excellent standing; however, I want to file a homestead exemption. Will this negatively impact my credit?


Dear QMC,

Filing a homestead exemption for tax purposes will not affect your credit report in any way.

Your credit report only includes information about your credit and debt relationships. In terms of public records, that includes only three things: bankruptcy, monetary judgments, and tax liens.

Bankruptcy relieves you of debts you owe. Judgments are debts owed as a result of a court ruling, and tax liens are debts owed to the government.

A homestead exemption is a public record for homeowners that provides some tax benefits. I am not a tax expert, so would recommend you talk to your county tax assessor, an equivalent official, or your tax accountant about the benefits of a homestead exemption.

Thanks for asking.

- The "Ask Experian" team

  • © 2016 Experian Information Solutions, Inc. All rights reserved.