How long eviction stay on record

how long eviction stay on record

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Posted by Rita on December 07, 2000 at 16:35:04:

Believe me, it's in the court records and if the prospective landlord does a half-decent public records check, he'll find it. If your SSN was on the court documents, then the eviction will almost certainly make it onto your credit profile. While an eviction probably won't stay on your credit profile for more than seven years, it stays in the public record forever. So if a landlord pulls a credit profile only, it will be there only seven years. If s/he does a public records search too, it will show forever. As a landlord, I do both, plus a criminal background check.

Rather than wait to be caught, why don't you call the prospective LL and tell him the truth? It will always sound better coming from you than from a credit bureau. If he finds out through a credit /public records search, he may be unwilling to listen to any explanation you offer. Tell him how you've cleaned up your act. Be prepared to show him cancelled checks from the past two years that show you've paid your current landlord on time and in full. Prep your current landlord to give a good reference and to say that s/he knew about the previous eviction but that you've been a great tenant. If you play this correctly, you may even enhance your chances of getting the apartment! Good luck.

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How Would a Landlord Find an Eviction on Your Record?

How Would a Landlord Find an Eviction on Your Record?

If you've been evicted from rental housing in the past, getting a new lease might be a challenge. Landlords and property managers are often unwilling to rent to people with evictions on their record. A landlord can learn about your eviction through several channels, including tenant screening and credit reports, as well as by checking rental history records.

A simple eviction won't show up on your credit reports. However, if your landlord also successfully won a court judgment against you for back rent or money to cover repairs, the judgment will be on your credit report. Judgments can stay on credit reports for a long time – up to seven years if you pay off the judgment. If you don't pay the judgment, it can remain on your credit report until the statute of limitations on the judgment collection expires. The statute of limitations on collecting judgments varies from state to state.

Some landlords report to companies that issue tenant screening reports. Unlike standard credit reports, tenant reports might include information about an eviction even if there was no monetary judgment. These reports can also contain information about your rental payment history, criminal records and other personal details gleaned from interviews with previous landlords and neighbors.

Rental applications typically ask for your rental history, including contact information for previous landlords and property managers. Many landlords and property managers personally contact these references to find out what kind of tenant you were. If a landlord had to evict you from one of his properties, he'll probably tell your prospective landlord about the situation.

If you have been evicted from rental housing, many landlords and property managers will be reluctant to rent their properties to you. Talk to the landlord and explain your situation, particularly if the eviction was the result of temporary circumstances, such as a job loss or illness that kept you from being able to make your rent payments. Some landlords will accept your application if you can get a friend or family member to co-sign your lease, if you can provide a large security deposit, or if you are willing to prepay several months rent before moving in.

How long eviction stay on record

Lainie Petersen writes about business, real estate and personal finance, drawing on 25 years experience in publishing and education. Petersen's work appears in Money Crashers, Selling to the Masses, and in Walmart News Now, a blog for Walmart suppliers. She holds a master's degree in library science from Dominican University.

How Long Paid Public Records Remain on Your Report

You have to keep in mind that your credit report is really your credit history. It doesn’t just show the way things are today.

There are three types of public records that can appear in your credit report: bankruptcy, civil judgments and tax liens. You don’t specify which is in your credit report.

Personal bankruptcy is usually either Chapter 7 or Chapter 13. Chapter 7 bankruptcies remain on your credit report 10 years from the filing date because you do not repay any of the debt. Chapter 13 bankruptcy is deleted 7 years from the filing date because you are required to repay at least part of the debt.

Civil judgments are financial court judgments. Basically, if you are sued and you lose, you owe a debt through the court. Therefore, the judgment can be included in your credit report. Civil judgments remain seven years from the filing date.

Tax liens are filed by government when you have not paid your taxes. Unpaid tax liens can remain on your credit report for 15 years from the filing date. Paid tax liens remain seven years from the paid date.

In each case, the status of the public record is included in your credit report. The entry will indicate whether a judgment is paid, a bankruptcy discharged, or a tax lien settled.

There are two bits of good news. The first is that the longer in the past the late payment occurred, or in your case, the longer the public record has been paid, the less significant it becomes in some scoring models. As a result, the older the negative information the less impact it has on some lenders’ decisions and credit scores, although it still will be scored as a negative item for as long as it remains.

The second is that the negative information will be deleted automatically at the time specified. Once it is gone, it will no longer impact your ability to get credit. Because it is deleted, you can rebuild a completely positive credit history. It just takes time and good credit management.

Thanks for asking.

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