How Long Does Eviction Stay on a Credit Report?

by Mack Mitzsheva
A couple consults with an attorney.

Renting a place to live requires an agreement between you and the landlord, and this agreement -- usually in written form -- specifies the rights and obligations of all parties. If you fail to honor the terms of the agreement, such as not paying the rent, the landlord may initiate an eviction to legally remove you from the premises. Information related to an eviction has the potential to impact your credit for several years.

Evictions

The term "eviction" doesn't appear on your credit report, according to Experian. But other data related to your eviction might show up. For example, the property management company may report the unpaid debt as delinquent to the credit bureaus. Such negative accounts can stay on your credit report for up to seven years. If you later pay the rental debt, that payment will not remove the negative account any earlier.

Collections

Debt from an eviction can appear on your credit report in another way. If you have an unpaid balance owed on your rental lease, the landlord may turn the rental debt over to a collection agency, and that collection account may appear on your credit report. A collection account can also remain on your credit report for up to seven years. Paying the collection will not cause the bureau to delete it from the credit report. Instead, the bureau will update the status of the collection account to "paid" or "settled," whichever applies in your case. If the collection account is included in a bankruptcy, the account status will reflect the bankruptcy but the account history will remain on your credit report.

Judgments

Depending on how much you owe, the landlord may pursue legal action in civil court to recoup the rental debt. If the landlord sues you for the unpaid rental debt, the court can issue a judgment against you. This judgment will appear on your credit report as a public record. Judgments remain on your credit report for up to seven years. As with a collection account, payment of a judgment will not remove it from your credit report. Judgments included in bankruptcy are removed from the report once the bankruptcy is discharged, according to Experian.

Errors

When it comes to your credit report, you do have rights. The Fair Credit Reporting Act regulates how information is reported to the credit bureaus. Collections, judgments and delinquent accounts from unpaid rent cannot stay on your report for longer than seven years. Unfortunately, credit bureaus don't always update their databases as fast as you'd like them to. Eviction-related information on a credit report can prevent a new landlord from renting to you, so if you discover expired data on your report, you can dispute it with the bureaus by phone, mail or online at the bureau's website. The bureau then has up to 30 days to investigate your dispute and remove the item. Under the FCRA, you can get a free copy of your credit report once a year from each bureau at the AnnualCreditReport website.

References

About the Author

Mack Mitzsheva is a tax lawyer, personal finance expert and the author of the forthcoming ebook, "10 Best Places to Work Online." Mitzsheva is also a social media entrepreneur with five successful sites under her belt. Always innovative, Mitzsheva is currently developing a cutting-edge budgeting app for newlyweds.

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annuity disadvantagesaccountemps colorado springsmassachusetts sales tax calculatorhow long are pre approved mortgages good forflorida notary examwalmart charitiesdefine rsumultiplying and dividing percentagesgrants for homeschoolingtimeshare refinancingrequired minimum distribution worksheetcost of penile enlargement surgerywhy are bonds safer than stocksdvp tradessample letter of intent for scholarship applicationalabama tax instructionseservicemetlife.comcalculate unlevered cost of capitalmedical travel tax deductionlottery tickets tax deductiblestatute of limitations on debt in michigancredit card stealing scannercar insurance modification definitionhow to apply for a ebt cardrequest medical records from kaiserusps money order losthow to manage a 401k401k vs roth irawhat percentage of federal tax is taken out of paycheckjudgement collection agencyfirst year pharmacist salaryirs forgiveness of debtdebt security definitionland registry lost deedsare 401k protected from creditorsvantagescore vs ficorenunciation of executorhow much should i contribute to 401kvisa card expiry datedenied auto loancomparing companies financial ratiosw4 claim 0 or 1whats lienminimum wage for waitresses in ohionon custodial parent claiming child on taxesdeed of trust and assignment of rentsshort sale capital gainsgetty reitblockbuster giftcardtexas shot recordschase select student loansjewellery box for bank lockerraza india calling numbersebt balance gahow to figure capital gains tax on rental propertydeed in lieu of foreclosure credit impactoklahoma county treasuremichigan quit claim deedhow much money per pound of aluminum cansgroup annuity contract definitionwells fargo mortgage checklistrenters insurance cover movingsales tax on used cars in ncmedicare offices in melbournerisk free rate 3 month treasury billtanf eligibility maineindiana tenant lawshow long does a moving violation stay on your recordmaximum social security survivor benefitswhat does encroachment mean in real estatesubordination of lienkroger check cashing policycan you transfer money from paypal to checking accountnc state income tax formsexplain apr credit card
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