Apartment Evictions Impacting Credit Scores – Episode #108
Do Apartment Evictions Impact Your Credit Score?
One of challenges of being an credit expert is that sometimes you get to close to your subject matter. I never would have thought of this question but it’s a great one.
Right or wrong, most apartment experiences don’t hit your credit report. In fact, here’s a short list of rules:
- Applying for Apartments – Does impact your credit file, as your credit report will be pulled by a apartment management company. This won’t be a hard inquiry in most cases, so your score won’t go down, but it will get checked.
- Apartment Rent Payments – Do not impact your credit file. Some companies are trying to change this, but they are struggling to get traction with the bureaus. Don’t expect to see late payment history on rent in your credit file.
- Apartment Rent Late Payments – Often are not reported, so they won’t hit your credit report as well.
- Apartment Rent Collections or Evictions – It depends on whether a judgment is awarded. There is no “evictions” section on the report. If this appears, it will appear in the judgment section under public records. . Most often not reported to the credit reporting agencies because most apartment management companies simply take your security deposit.
Key tidbit: just because an eviction won’t appear on a credit report, doesn’t mean it won’t catch up to you. Many landlords use services that offer bundled background check services. These will include credit checks, as well as public records checks and often include a service where your old landlords are contacted. As your previous addresses are in your credit reports, they can find your old landlords whether or not you provide this information.
Similar Posts:
- Apartment Evictions Impacting Credit Scores – Episode #108
- How Do I Get an Apartment with a Bad Credit Score Caused by a Foreclosure? – Episode #50
- Tenants Credit Reports and Credit Scores – Episode #74
- Apartments and FICO Credit Scores – Episode #56
- Does Your Credit Score Matter for Job Hunting? – Episode #24
- Does Checking My Credit Score Often Hurt My Score? – Episode #5
[...] Do apartment evictions impact your credit score? [...]
Not directly. There’s no tradeline for evictions. But, most landlords not only pull credit scores, but they also subscribe to services that check previous rental records. Check this out http://www.videocreditscore.com/apartment-evictions-impacting-credit-scores/
I just got a notice of eviction but will be paying the outstanding balance very soon to avoid going to court. I am working with the Landlord’s lawyer in regards to payment. My lease is up at the end of September and I’m looking for apartments now in NYC. I have previous bad credit from credit cards issues. Will this eviction hurt my credit and be shown on my report? Also, will this eviction be shown when I search for new apartments?
Christine, I cover this in the post. It won’t be in your credit report unless you go to court and then it’s in the public records section. That said, landlords use other background check systems that not only check credit, but also check previous living history. Your score won’t be impacted, but you may find yourself having to offer more of a security deposit going forward. See this http://www.videocreditscore.com/apartment-with-bad-credit-caused-by-a-foreclosure/
Apparently your results may vary. I had an eviction almost 7 years ago, which most definitely shows up on my credit report. It’s under the negative accounts, not public records. It has since been paid in full, but still sits there. I have not been late on a rent payment since, but it’s still hard to get a lease anywhere without a huge security deposit.
I had a eviction 7 yrs. ago in md. How long dose that stay in the public records ? I was wanting to know is it better to have a company help you clear your credit or can you do it alone ??
It’s rare that an apartment reports to a credit bureau. If it’s been more than 7 years, then dispute it. See the credit resources section for a sample dispute letter.
I have an eviction on my credit that is from 2005, I had been living there for a year and just renewed my lease. a month later I lost my job and could not afford the rent and was given an eviction notice. I had not been through that before and did not understand how it worked at the time, being that I had time to get a job and saved the money to try to pay it. I read the notice and it made it seem I had to pay rent plus fees asap. so I got scared and just moved out and in with a friend, I am in goergia if that helps. Currently I am trying to save so it will be “paid in full” my old apartment was sold and has since become a different company my questions are:
- is it better to pay the eviction of in full or try to get a settlement
-if I let it fall of my credit instead of paying it would it just go away or would I have to dispute it or something
-if I pay it how long before I can rent a place without it coming up or will I be charged huge deposit fees because of it
- also is it better to pay the new apartment complex or pay collections
Thankyou sorry so long
Ciseley, it depends on how it’s being reported. If it’s a credit tradeline it will fall off in 7 years. Likely, you have a judgment which means this appears in your public record section of the credit report. Again, this will fall off in 7 years. Public records items don’t impact your credit score, so if you are looking for a clean report sooner rather than later, you should try and settle. You can offer anything in a settlement, but remember, you made a commitment and broke it. Every lender is different. Collection agencies often accept 50% or so. But, in another case, one credit union would accept 100%. Just be sure that the company will report it as paid off so it’s removed from your record. Once paid it should be removed in 30 days.
I have a question…I owe an apartment from 2005 I had to break my lease because of a job transfer (not an eviction)..the apartment only reported it to on credit agency. Its not on the other two..I’ve had other apartments since then. Is it because the apt only reported it to one agency? And the other apts didn’t see it. Still to this day I get nervous about applying to apts.
Did you owe any back rent? or was it the typical keep your security deposit scenario? Likely, as you’ve lived in other apartments for the past 4 years, most landlords will overlook the 2005 incident. It will fall off your credit report in 3 years too. If you are really nervous, you can always be up front and tell future landlords about the red mark and your reasoning, and offer to provide 50% more in a security deposit. This may give them some piece of mind that you are a mindful prospect.
hi…im 27 years old and after my dad died of cancer i opened lots of credit cardsused them til the max their all closed i have a eviction i cant get a apt im a full time student i really want to start over should i just go bankrupt no apartment will let me in! also i have prob 20,000 in debt that i cannot pay. i have about $10,000 and i want to buy a house do u think its possible with the money down? i live in sacramento,ca?? thank you your websites awesome!
Heidi, thanks for the kind words. First off, I would not even think about buying a house until you are out of debt and have a six month emergency fund. As to whether you should seek bankruptcy, that’s a sit down conversation. There isn’t anyone I’d recommend in Sacramento, but San Francisco has a great outfit:
Consumer Credit Counseling Service of San Francisco http://www.cccssf.org
Ask for pre-bankruptcy counsel…but know that you want to hear the options and see what makes the most sense.
Bankruptcy has its downsides, but the upside is a clean slate. You will need to start saving so can offer a bigger security deposit to landlords to sway them to take a risk on you. Also, be up front with them. Don’t try and hide the fact that you have bad credit. That will just lead to distrust.
p.s. I lost a parent to cancer, so I feel for you. Hang in there.
Hello, I am a little worried. I just received an eviction and is scared because I have kids and just got behind trying to pay daycare and and late fees when rent is paid and contg. However, this has just occurred. Will that eviction immediately show up on my credit report? Please let me know. I have been a resident at the apartments for 7 years now and I just feel like a failure for trying to keep everything together. I live in VA.
Eviction notices usually don’t impact your credit score. They may make it on to your credit report in the form of a public record filing. Landlords do background checking in many situations because they are trying to learn your eviction history. Don’t feel like a failure. Just be honest about how to afford your situation. If you can’t afford the combined costs of daycare, rent, food, etc., you might consider reaching out to family/friends. Many people are moving in together or taking on boarders to save money
Hi. I cosigned on a apt in 2006 and the person vacated 6 months early without paying. I recently pulled my credit and I owe over 3000 and its with a collections agency. I called the original property and spoke with a manager. She said they are new owners and had no record of anything with my name on it. She said to file a dispute with the credit bureau. I did file with all three. What will happen now? Will the collection agency have different information against me? Will the credit bureau contact the original people like I did? Hope this makes sense. Thatnkyou so very much!
First, when you have something turned over to collections, the original company is out of the picture — in most cases. Here’s how it works. The company sells your debt for 10 cents per $1 owed, so in your case a collection firm bought that debt for $300. Collection agencies try to shoot for a 50% of the amount as a settlement, so they’d get $1500. That’s how they make money – in this example, $1500 – $300 is $1200 in revenue to them.
Okay, this is why disputing may not help. Disputes are best used when you really are disputing incorrect info. It’s possible the collection agency won’t validate the amount and your credit report will improve. But, if it doesn’t, you should try to settle with them. Don’t send them any money until they sign a document stating that they agree to change your status to settled in full. You can ask for “paid in full”, but many outfits won’t do this.
I recieved the final bill from my landlord, i paid it off.. is it still going to hurt my credit? will there be any further complications? whats going to happen next?
If you are all paid up then you shouldn’t see any collections items on your credit report. There shouldn’t be anything in your public records since there was no litigation. Ask your landlord how he reports evictions? Most background check companies will call your old landlords to check status. You want him to report you with a clean record. Ask for that in exchange for your full payment. He doesn’t have to comply. He might simply report the facts of your late payments.
This is why I suggest that people be upfront with new potential landlords, explain your situation and offer more of a security deposit to take you on as a tenant.
Hello, I have a question. My husband and I want to get another apartment in a 1-2 yr duration. We both have evictions on us. His is 6 yrs old and mine is 1 yr old. However I am making payments to the collection. What is the odds of us getting another apartment? Please help and thank you!!!
If his is a collection, it will fall off his report after 7 years, or in one year since 6 have past. I’m unsure how many years a background check will go. Remember most apartment landlords use a service that provides BOTH credit history and apartment history. If you pay yours off, show you can afford an apartment and offer to provide a larger security deposit, your odds may be decent.
I lived in my apartments for 3 years, a handful of times I worked out a late rent payment with management, which I honored. The first time this happened I got an eviction notice and was told that it was company policy and as long as I paid per our agreement I would not have to worry about it. I specifically asked about it showing up on my credit report and was told that “it shouldn’t but if it does let me know and we will fix it.” I was also told it was not necessary to go to court because they would take care of it(I now know better). This happened each time and now I have those handful of instances showing up as judgments on my credit report. Can I get them removed since I paid per our agreement each time? Does the company have any legal obligation to remove them from my public records portion of my credit report upon my request to do so? Do I have any recourse?
If you have a satisfied judgment and the plaintiff the judgment was awarded to never bothered to give the court an order to mark the judgment satisfied, you can go to the court and request to vacate judgment form. Note, it will remain in your Credit Report (showing satisfied) for 7 years as allowed by law, but this is better than your future potential landlord seeing an unsatisfied
Also, you can try to dispute the item via a credit dispute letter to the bureaus. The bureaus will contact the management company and has to hear back in 30 days that the item is accurate or remove it from your file.
Here’s a sample credit dispute letter
I broke my lease early in 2006, because I got a new job out of town. Now I owe over 5000 dollars with a origional amount of 2000. Do you have any recommendations of how I can find an apartment still or should I file bankruptcy, I live in Indiana.
Hello, I just want to say thank you for all the information you provided.
Heres my case. I have a judgment of $662 from this apartment that I had to break the least since I had to move back to Florida for a while. I moved back to GA a few months back since my old job was willing to rehire me. However, I called the courts to make a payment and they said I had to make the payment with the original tender. Ok, so I called and they said I owed(3100) which is about right but I explained why on my credit report it only shows $662.
Question 1. Am I only authorized to pay $662?
Question 2. I agreed to settle for a removal for pay, the collector agreed and said that would be no problem( since this is a judgement can they really remove it off my credit and will the judgment be taken off my credit as well?
Thanks in advance.
Please help I had an eviction on my credit score in 2007.I was living with my mom and was 19 at the time and had to sign the lease. My mom tryed to explain in court that i was in school at the time and she was fully responsible, but both of us was still found at fault. Now my mom has passed and im stuck holding the bill and cant seem to find a place because of this. Is there anything i can do or is it all she wrote?
with an eviction can you get an mortagage loan the same year
Depends on how it is reported. You might be able to, as long as the company doesn’t chase down owed funds in court. Public records sections is where this item would occur, unless you are in the rare case that an apartment owner reports to a credit bureau. Does your eviction show up in any form today on your credit report? if no, that you might be fine to get a mortgage. A different question: is getting into mortgage smart given a recent eviction. Your situation might make this okay, but for most, this is not a prudent move.
Sorry, you are on the hook. Good news is that this will fall off in 7 years, and in less time it will start to count harshly in your score. I’ve seen people go from bankruptcy to 700 plus scores in 18 months with good discipline. Start good habits now and eventually you will be okay.
Jamie, sorry for the tardy response. Two issues here. What can you get away with, and what do you really owe. If the judgment is for $662, then that’s all you have to pay. If working with a creditor and they agree to remove the judgment that can happen. It’s always critical to get the agreement between you and the creditor in writing as once you have paid; they have no other motivation to remove it from your credit report.
Hi, I really hope you can help me. Long story short, I live in New Jersey and my previous landlord filed eviction against me without my knowledge. I have been looking for an apartment but have been denied due to the eviction filings on my public record. I have no evictions or judgments on my credit report. I may have been late a couple times paying rent the whole 3 years I stayed there. When I moved out I received my full deposit back and left on good terms. I was never notified of any eviction process and never had to pay any court fees. Is there a way I can have these eviction filings removed from public record?
My landlord has given me an eviction notice regarding excessive noise and unauthorized people living in my home. Every date that she has I have proof that I am not home. I do not have parties and do not have anyone over. I know that the court will throw out the excessive noise part, but they say my roomate walks to hard and it keeps up the tenant below us. So that is what the excessive noise is.
I have two roommates and my name is the only one on the least The landlord agreed to it, but do not have it in written notice. Ashley pays the rent every month and it is in her name. Can I be evicted for having unauthorized people living in my home. Rent never late always paid on time. Never on the 4th or 5th of the month. What step can I take to protect myself from getting an eviction notice because I have a roomate.
I have nothing on my record, not even a ticket. Please help.
My situation is extremely complicated and I’m seeking advice. I don’t have any major debt in my credit report .My job recently laid me off and thru savings from financial aid I was able to pay all bills alongside being a single parent. I recently received and eviction notice due to late fees etc. I spoke with the book keeper explaining that my bank account had been tampered with and that I was working on paying as soon as possible. She was unbearable and almost harassing yet since I’ve received additional fees and now a summons. I wasn’t Hm to receive it because I was at school. Also it irks me that I’m required to pay when I can’t wash dishes due to maintenance hasn’t fixed my faucet in threes weeks,my bifold door is off the hinges, there’s a hole in my wall where a squirrel attempted to come through and the lady says that happens often. My air has been reported as not working on 50° its only 75 in my house. The hose itself is split and has been duck taped. It also freezes over with literal ice and snow. Not to mention I’m expecting and have a 3yr old as well as myself with asthma yet water is leaking from our ceiling due to rain. I’m upset that this may come back to haunt me yet it insufficient to live in and you are forced to wash dishes from a bath tub. All I’ve asked for is understanding and some much needed maintenance. I’ve only been here a few months. Thanx in advance
I applied to rent a house and found out that I have an eviction notice from my current landlord. The eviction was filed in 2008 but I am still living in the same apt community. During that time a family member passed away and didn’t have insurance. My family was required to pay for the funeral and I assisted. I also notified my property manager of the situation. Although I paid the rent in full, it appears that they still filed against me. I spoke to the property manager and she said she doesn’t understand how it happened. I have been living in my apt complex for 5 years now and I was only late that one time. My lease ends in Jul 2010. How can I get this information removed from my credit file.
You can try to do a dispute to see if it gets removed. Right or wrong, consumers do disputes often to see if the company will follow up with a response. Sometimes, companies don’t bother replying to these requests and the bureau by law has to remove the item in 30 days. If you still owe the company anything, you can try to settle and try to get them to remove the info in exchange for settling. Otherwise, you have to wait 7 years for it to be removed.
Nita, sorry for the slow response, you don’t sound like you have a credit question. More of a tenant’s issue. You may need legal aid if you have a dispute against your landlord. Try searching google for “tenant’s assistance and your town” Hang in there.
You can dispute it and hope the landlord doesn’t reply to the bureau’s request. Here’s a sample http://www.videocreditscore.com/credit-resources/ . If the complainant is unable to provide original document signed by you then they can not put this debt against your credit file. Alternatively, you can try to make contact with the previous landlord and try to settle this, perhaps, you can get them to agree to remove the item by updating their records with the public records files. Sounds like the first option is best.
Sorry, I’m more of a credit expert. You need to check your local tenants rights in your area. Sounds like your landlord wants you out, and if you are out of compliance with the spirit of the contract – 1 person on the lease – you may be in a precarious spot. You may be looking for a new place. You don’t want a public record on your credit file, that will make finding your next place more challenging.
I signed an apartment lease 3 months in advance, only to find out 2 day’s later that I would not be able to move in. I called, but they refused to let me out of the lease. I payed a deposit along with a reletting fee 85% of the rent. They still have not rented the apartment and sent me a bill for the entire lease $20,000. I am not in the position to pay this money, but cannot move to the apartment, it is too far from my son’s school and my school. I am ready to just let them come after me, but am worried about my pristine credit. Will this affect me when I go to purchase a home in the next couple of years?
Hi I really hope u can help me and my friend out…. me and my bff are tryin to get a apartment together but my lease isn’t up so she is getting one on her own right now until my lease is up. She jus told me she broke her lease in 2002 but has rented twice since then. Now the new apartment we want to rent in says if it shows up then we are denied. So we called the broken lease apt and she sd she bout out the company and she dosent have those records… is there a chance it was not even filed on her and will this mess up our chances even though its over 8 years old? If there was a eviction wouldn’t she know? Pls help we are doing the app tomorrow
hi
i live in texas and about a year and a half ago me and my roommate both lost our jobs in the same month. We told them about it and they said it would be better just to move out then to get an eviction. so we did. now we owe about 5000. we had some damages and the carpet was stained, but that happens to all apartments. i have collectors calling me all the time and dont know what to do. the guy said he was going to turn it over to the athorities and talk to my work. Can he do that? please give me advise???????
Thanks
hi.
i just left my apartment like 2mthns ago and im trying to apply for one near my job,im worried that i wont get approve.how long does it take for it to show up on my rent history??
It depends on how quickly they report. 1 or 2 months is not uncommon. While it might not show on your credit file, many landlords use background services so your previous landlord may get contacted. It always best to be upfront on honest, even if it means leaving a larger security deposit.
People have to break leases all the time. This is why security deposits exist. I wouldn’t pay anything more, and think about contacting your local consumer reporter. In the San Francisco area this On Your Side. Your credit score may or may not change, depending on how they report, but if they go for a public judgment. It might make a purchase more difficult, but just document your story and be up front with a banker as regardless of the score, it may be in your report and come up as a decision factor.
Pull your credit reports to check. But, know that apartments sometime use background check services to find out about previous apartment records. If it’s over 8 years old, I would guess it wouldn’t impact you. It doesn’t sound like the old apt can report an eviction, if they don’t have the records, so you may be okay.
I rented an apartment in 06 . I owed money in rent and the eviction process started. I went to court and didnt deny that I owed the money. I moved out instead of paying. I have pulled all 3 of my credit reports and there is nothing in my public records. I have applied to 3 different complexes and have been denied. I have done research and see that an eviction would be in your public records. I have never been contacted by any collection agency about the rent that is owed. I am lost because i am not understanding where this information is? Should i even tell other landlords about this since it was so long ago? How do i even know that this information is on my credit? Where do i need to go to find it? Any help would greatly be appreciated. Thanks
The problem isn’t in your credit reports. Apartment landlord use apartment background check services that will call your previous apartments and find out the reason for leaving. i usually recommend that people be honest and up front and offer an increased security deposit to put them at ease. I know if I was a landlord the lack of disclosure on this from the individual would make me think twice. Try being up front on the next application and see if that works. Another alternative is to go rent from a non-complex, mom and pop landlord as they may be more forgiving and won’t have hard and fast rules such as “we won’t rent to anyone with an eviction in the last 5 years”.
Hello, I am currently renting in the 10th month of my 12th and we are required to keep it all the way through under contract, but we had decided to cancel a month early and our landlord is threating to evict us, would this kind of eviction hurt our credits or renting chances in any way? All of our payments are on time and in full.
Great video Andy. I currrently live in an apartment and I am buying a HUD home. Closing for the home has been delayed and I am suppose to be out on a Friday but closing is not to the following Monday(yes 2 days later). They have a new tenant comming in since I put my notice in and will fill an eviction if I am not out friday.
1. Is there any tenant laws(Texas) that protect me in a delayed closing of a house?
2. If they do file an eviction and it goes on my public records…will future employeers see that on the background check and not hire me? I.E. goverment jobs that they are stict on the bacground.
Not sure on Texas tenant laws. You have to check them, but my guess is that’s there is no protecting. As they have a new tenant coming in, I would try to amicably get a resolution. Ask if you can contact the new tenant to ask them for a 2 day delay, perhaps they have flexibility for those days. Even offer a double rate of what the averge daily rent would be. Or offer something to the landlord in the same range….maybe he can do the convincing. Handling this amicably is best, if you can.
On #2, yes an eviction shows up and may be seen by employers. Not sure if employers will use this as an issue. Some government jobs don’t like people with money problems as they think they will be targets for bribes, etc. An eviction, whether or not I agree with this, is seen as a money problem in some cases.
Yes, that will hurt your credit standing but necessarily your credit score. It depends how they report it. Outside of credit, many landlords use background services that call previous apartments to find out if you were evicted and make their decision based on this research.
Many people simply pay the extra month. Look, the other way I look at this is that you made a contract with them and you need to honor it. If you can’t afford it, that’s one thing, but if you simply wanted to move, that’s another. Perhaps, you offer the 11th month paid, so he has time to re-rent it and you save a little moey.
I am just wondering if background check companies use your credit as a part of your background check. I am not sure if the company checks credit or not but I want to make sure.
I haven’t seen a background check report with a credit check on it. A recent one I saw had a SSN trace and verification, criminal records check and employment verification. This doesn’t mean an employer won’t pull a separate credit check. These reports are usually different and separate.
Check out my post on credit checks from employers. According to the Society for Human Resource Management, 19% of companies surveyed always do credit checks on job applicants and 24% responded that they sometimes do credit checks.
I am a student. I shared my old apartment with two other roommates. The utility bill is on my apartment landlord’s name. We have $30/roommate utility cap, which means we just have to pay the utility bill minus $30. Every month, we would get a utility bill from apartment instead of from electric company. We usually do not go over this utility cap $30/person. Now we got a bill states that we owe apartment an utility bill for $50/ roommate of this month, which is weird since all of us moved out 2 weeks ago.
My question is if we do not pay this amount of money, is there any consequence? What could the apartment do? Could them sue us (for $50?) If they do not sue us, will it be reported as dept in our credit report?
We all have just graduated this May. We would want to buy houses in a couple of years and dont want to have any negative mark in our credit scores. We can go ahead to pay this, but it just sounds phony to us that the apartment suddenly charge us $150 total for what we usually do not go over utility cap per month
Kassie. Is this a mom and pop landlord or a large apartment complex owned by a corporation? Sounds like a mom and pop deal and if the bills are not in your name, it would be hard for them to report you to a credit agency. Utility bills records don’t show up in credit files anyway in most cases. i.e. there are people who are late on utility bills that have a great credit scores. The combination of the mom and pop landlord and the dispute being on utilities probably means you are safe. One more question, when did your lease run out? before or after the $50/roommate bill was submitted. When you moved out is less relevant.
Back in Juy 2009, I moved out of my apartment right before the last months rent was due because the apartment came inside of my apartment to paint, without my consent and threw my things everywhere. They eventually filed an eviction on me, and won because I wasn’t able to make the court date (I was unaware they filed on me). I have since paid them off in full (I paid the apartment complex and not a collection agency). I was unaware that the eviction was still on my record until I went to apply for an apartment and was denied because of the eviction. I called the apartment and they informed me that they had not contacted the the collection agency not the courts to inform them that I had paid. They gave me a letter that i can show the other apartments that I’m applying for that I don’t owe them anything but most apartments wont accept that.
I’ve tried talking to the apartment complex about having them remove the eviction from my record and they’re saying that they can’t but when I spoke with other complex managers, they informed me that they could because they’ve had it removed for other residents who have thus paid their balances in full.
What other options do I have as far as getting this removed from my record (in the state of Texas)? I was told that I need to contact the 3 credit bureus and send them a copy of the letter that the complex gave to me to have the dispute removed from my credit report.
Ciera, check your credit report. Where is the eviction listed? In public records? If so, I would first file a dispute with the bureaus to dispute the public record, see my resources area for forms on how to disputes. This may not work as the bureaus will contact the texas public record office to verify that you have had a judgment against you. You need to file with the public records office to have the judgment removed, as it’s paid up. Be aware that once it’s cleared up, many apartment complexes use background check services that will call previous landlords and simply ask was there an eviction. They will answer yes, even though you are paid up. I’d try to clear up your credit report and then try to rent from a more mom and pop landlord that may not use these services. Other alternative is to be up front with a landlord and offer a double security deposit to mitigate their risk of you skipping out [while you know you won't, that's their fear].
I live in an apartment and just bought a home. I am set to close on the 25th of this month, and I really want to use this months rent towards whatever I may need towards the home…the apartment has left a letter stating that if I don’t pay them fill price plus fees they will file for eviction on the 11th. I plan to pay them, just not before the 25th. My question is, if they file an eviction through the courts, will it sffect my credit before the end of this month?
Not sure I have it right, but I it sounds like you are late paying this months rent to use this money. Credit score aside, it sounds a little fishy. To answer your specific question, it’s unlikely the credit file will update that quickly. It usually takes 30 days. But, do you really want an eviction on your record for 7 years. Employers look at your credit standing, and you may want to apply for another type of credit at some point. Seems like a short sighted plan. Save now. Pay later.
My son and daughter in law rent’s application was recently denied because of a record if an eviction found in a county public record. The party that was evicted carries the same name as my son–we do not know about middle initials, the was just a first and a surname on the judgement, and the property was in another town in the same county we live in. This eviction is not on the kids credit reports– we pulled all three. We were able to located the record online from country records and went to the court house to get a certified copy but there are no birth dates or SS# on the judgement or in the file the courthouse clerk let us examine. The kids are currently living in same complex I live and have for 2 yrs are were just looking for a larger apartment. And the party that was evicted was evicted in 11/2009, and the kids had a lease and were living here at the complex I live at in own apartment during this time. All of their residences are listed on their credit report. We took all the information to the complex they were apply to and they said there was nothing they could do unless we could prove the eviction was not our son–that he is not the one listed on the eviction judgement. And they refused to look at credit reports and I guess after reading all your questions and answer I can understand since some landlords to not file eviction with credit beaus. We are now concerned that this is going to come up when they go to apply at another apartment. And I guess our question is how do we prove this eviction in the public records is not my son’s? This is in Florida.
First off. Very thoughtful post. You still want to dispute the eviction via the credit bureaus, make them make the courts prove it is your son be asking them to validate the social security number of the person on the judgment. If non, I think it will have to be removed. If it doesn’t, it sounds like you have proof this is really someone else. That should help a future landlord.