Act as a certified financial advisor with 10+ years of experience in credit repair and debt management. Explain in detail how [TAX LIENS] affect [CREDIT SCORES] and outline actionable steps to [MITIGATE DAMAGE]. Include the following: 1) How long tax liens stay on credit reports, 2) The difference between paid and unpaid liens, 3) Legal changes (e.g., removal policies by credit bureaus), and 4) Strategies to rebuild credit post-lien. Use clear, jargon-free language suitable for [AUDIENCE], such as first-time homeowners or small business owners.