While evictions do not show up on your credit report, collection accounts can stay on your credit reports for up to seven years. They remain on your credit from the original delinquency date, the date of your first late payment that led to collections. The eviction can remain on your rental history report, but it may be removed from your credit report.
Does an Eviction Show on Your Credit Report?
Eviction information does not show on your credit reports. Positive rental payment history does. Eviction records are found in a separate rental history report obtained through tenant screening companies.
Unpaid debt following an eviction, like unpaid rent and fees, the leasing company or landlord could sell the debt to a collection agency. The collection agency could then report to either of the three major credit bureaus resulting in the eviction showing up as a collection account on your credit. You can always review your credit reports to find this information.
How Long Does an Eviction Stay on Your Record?
An eviction report remains part of your rental history typically for seven years. If you apply for a lease, make sure to ask your landlord or leasing company to inform you which tenant screening company they use. If you contact the company in advance, you can then find out if the eviction is still appearing.
How to Get an Eviction Off Your Record?
It is really best to consult with credit repair companies regarding evictions showing as collections on your credit report. Unfortunately, it’s not possible to expunge evictions from your rental record, but you may be able to dispute inaccurate information or settle the debts showing yon your credit report.
Is it Possible to Avoid Eviction?
If you find yourself in a tight spot financially and you don’t think you’ll be able to make your rent payment, you should contact your landlord or leasing company as soon as you can. As a result of the coronavirus pandemic, eviction relief options may be available.
The Department of Housing and Urban Development also has resources available on their website regarding current eviction protections, options for assistance, and tips to effectively communicate with your landlord or leasing company.
There may be other financial assistance options, or your landlord may offer some payment accommodations. Look for any way you can to free up resources so you can put all of your money toward your rent payments.
We recommend regularly reviewing your credit reports to ensure you stay on track; especially if you have faced financial troubles in the past or have had credit problems. It’s best to stay alert and act on any changes to your credit report as they happen.
