Apartment Evictions Impacting Credit Scores – Episode #108

February 3, 2009 by  
Filed under Episodes

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.

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Comments

138 Responses to “Apartment Evictions Impacting Credit Scores – Episode #108”

  1. Have a mortgage? Save $71,000 in interest payments « I Will Teach You To Be Rich on June 8th, 2009 3:12 pm

    [...] Do apartment evictions impact your credit score? [...]

  2. VideoCreditScore-Andy on June 15th, 2009 12:14 pm

    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/

  3. Christine Lee on June 26th, 2009 11:21 am

    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?

  4. VideoCreditScore-Andy on June 26th, 2009 11:29 am

    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/

  5. Amanda on June 26th, 2009 10:54 pm

    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.

  6. kathy on June 29th, 2009 2:25 pm

    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 ??

  7. VideoCreditScore-Andy on July 6th, 2009 6:18 pm

    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.

  8. ciseley on July 15th, 2009 10:13 pm

    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

  9. VideoCreditScore-Andy on July 17th, 2009 3:21 pm

    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.

  10. candice on July 23rd, 2009 10:26 am

    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.

  11. VideoCreditScore-Andy on July 25th, 2009 9:28 pm

    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.

  12. heidi on August 7th, 2009 5:08 pm

    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!

  13. VideoCreditScore-Andy on August 7th, 2009 5:23 pm

    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.

  14. LauraJ on September 11th, 2009 7:23 am

    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.

  15. VideoCreditScore-Andy on September 12th, 2009 6:50 am

    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

  16. courtney on September 12th, 2009 7:05 am

    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!

  17. VideoCreditScore-Andy on September 13th, 2009 7:36 pm

    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.

  18. Rene on September 24th, 2009 1:30 pm

    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?

  19. VideoCreditScore-Andy on September 24th, 2009 2:11 pm

    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.

  20. Jennifer on October 8th, 2009 1:26 pm

    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!!!

  21. VideoCreditScore-Andy on October 8th, 2009 1:41 pm

    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.

  22. Joseph on October 10th, 2009 8:00 pm

    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?

  23. VideoCreditScore-Andy on October 11th, 2009 7:37 pm

    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

  24. darryl on November 26th, 2009 10:27 am

    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.

  25. jamie Foon on March 11th, 2010 11:14 am

    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.

  26. Kendra Allen on March 22nd, 2010 8:56 am

    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?

  27. Cey on April 2nd, 2010 8:39 am

    with an eviction can you get an mortagage loan the same year

  28. VideoCreditScore-Andy on April 2nd, 2010 3:26 pm

    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.

  29. VideoCreditScore-Andy on April 2nd, 2010 3:28 pm

    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.

  30. VideoCreditScore-Andy on April 2nd, 2010 3:41 pm

    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.

  31. Kia on April 18th, 2010 11:18 am

    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?

  32. Christina on April 23rd, 2010 8:56 am

    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.

  33. Nita on April 26th, 2010 9:44 pm

    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

  34. Jane on April 29th, 2010 2:40 am

    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.

  35. VideoCreditScore-Andy on May 11th, 2010 7:12 pm

    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.

  36. VideoCreditScore-Andy on May 11th, 2010 8:21 pm

    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.

  37. VideoCreditScore-Andy on May 11th, 2010 8:32 pm

    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.

  38. VideoCreditScore-Andy on May 11th, 2010 8:44 pm

    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.

  39. Andrea Richter on June 1st, 2010 4:49 pm

    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?

  40. dominique on June 6th, 2010 7:30 pm

    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

  41. Chase on June 8th, 2010 1:19 pm

    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

  42. emma on June 10th, 2010 9:59 am

    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??

  43. VideoCreditScore-Andy on June 15th, 2010 6:06 am

    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.

  44. VideoCreditScore-Andy on June 19th, 2010 6:16 am

    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.

  45. VideoCreditScore-Andy on June 19th, 2010 6:32 am

    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.

  46. donna on June 20th, 2010 6:16 pm

    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

  47. VideoCreditScore-Andy on June 21st, 2010 4:38 am

    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”.

  48. Davit on June 21st, 2010 11:46 am

    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.

  49. Jason on June 23rd, 2010 3:08 pm

    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.

  50. VideoCreditScore-Andy on June 25th, 2010 6:38 am

    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.

  51. VideoCreditScore-Andy on June 25th, 2010 6:44 am

    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.

  52. Jack on July 3rd, 2010 12:16 pm

    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.

  53. VideoCreditScore-Andy on July 5th, 2010 12:53 pm

    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.

  54. Kassie on July 29th, 2010 12:01 pm

    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

  55. VideoCreditScore-Andy on July 30th, 2010 9:32 pm

    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.

  56. Ciera on August 5th, 2010 7:03 pm

    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.

  57. VideoCreditScore-Andy on August 6th, 2010 2:50 pm

    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].

  58. Nadia on August 9th, 2010 3:20 am

    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?

  59. VideoCreditScore-Andy on August 10th, 2010 7:46 pm

    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.

  60. Bella on August 11th, 2010 4:12 am

    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.

  61. VideoCreditScore-Andy on August 25th, 2010 10:15 pm

    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.

  62. karen on September 7th, 2010 7:44 pm

    i don’t have a credit and we are trying to get an apartment and they want me to pay them to chekc my credit?

  63. VideoCreditScore-Andy on September 26th, 2010 6:15 am

    This is a very common practice. They have to pay for a credit check, so they pass on to us as consumers.

  64. Panes on October 1st, 2010 12:11 pm

    hi – great video! your original post (from February 2009) said “apartment rent payments do not impact your credit file. Some companies are trying to change this…” so i’m wondering if things are different now (October 2010). i pay my rent on time every month (for an apartment in NYC) and would love for my landlord to report this to the credit bureau if it would help my credit report and/or raise my credit score.

  65. ari on October 4th, 2010 2:25 pm

    hi andy, i need some help. i recently moved to college and had to get a last minute apartment because campus housing was full. the person in the office showed me a tour of the model apartment and it was decent for the price, so i signed a lease. when i moved in, the place was nothing like the model. i lived in the apartment for two weeks but was finally run out by the poor living conditions, roaches and ants were in the apartment even though i never had food there, the halls were loud at night, the entire floor reaked of cigarette smoke, and some of the male tenants were repeatedly harassing me. i formally turned in my keys and paid an extra months rent as a courtesy so the apartment could find someone to fill the vacany. two months later the office is calling me saying that i owe rent and must pay it or they will file an eviction. how can they file an eviction if i am not living in the apartment? if they do will it affect my credit or hurt my ability to rent next year? thanks this is a great site :)

  66. Travis Hall on October 8th, 2010 7:34 am

    Where I am renting I pay 725 a month right now I was told my rent would go up no more than 25 Max well it did. I am moving out my lease ends in a month but I did not give my 60 day notice in time to coordinate with my lease running out. So for my second month they want to charge me 1100, They say that is market rent. I meant with manager before two month was out and shesaid i needed to let them know soon i said in aweek or two i would never a word about 2 month or i would pay outrageous amount for second. My first month living there I had people over and had complaints And they said if anything like that happened again they would start the eviction process everything has went pretty well sense. I was also told because. Of the concrete construction they were super quiet. I can here my neighbor above me pee, and there washers and dryers. Through my bedrooms window. Do I have any standing not to pay what they are saying?

  67. Nicole on October 9th, 2010 2:25 pm

    I currently have two apartments in my name. I’m living in one and the other is occupied by a family member who’s having financial troubles. If that apartment files eviction and I stay in good standing with the one I currently reside how will that look to possible future landlords? Considering, the times of me having apartment history in good standing and an apartment with an eviction will coincide.

  68. ashlee on October 24th, 2010 7:48 pm

    I was evicted from a apt when i was 19 and it has recently in the last 2 years shown up on my credit report as a collection. I am trying to get a new apt and i know they will see that i owe on my 8 year old apt. i never received anything in the mail from the apts and found it by checking my credit score. is there any way i can get this removed from my credit report. are companies allowed to put something in collections 7 years after the fact?

  69. VideoCreditScore-Andy on October 27th, 2010 6:57 pm

    It stays on your reports for 7 years from the date of reporting, so it must have been reported late? Here’s my thoughts. You could offer to pay what you owe to the old apartment and ask for Pay for Delete. You could dispute the item via the credit dispute process at your credit bureau. Your other option is to be upfront with the new landlord and even offer to double the deposit to prove that you are a good risk. Point out that it was 8 years ago and that the difference between you at 19 and you at 27 is all the difference in the world.

  70. VideoCreditScore-Andy on October 27th, 2010 7:12 pm

    Any eviction looks bad. This isn’t like baseball where 9 for 10 good atbats is good. Sadly, you are learning a hard lesson: Don’t let relatives/friends ride on your good credit. I wish I had better news for you, but that eviction will stay with your credit report for the next 7 years. When this comes up on your next rental, tell the landlord your story upfront. Even offer a larger security deposit to alleviate their risk.

  71. VideoCreditScore-Andy on October 27th, 2010 7:21 pm

    Ask your landlord to report to the credit bureaus. You never know, what they will say. Most mom and pop landlords still don’t report this credit history.

  72. Terry Tan on October 28th, 2010 6:12 am

    Hi, I am excited to find this website which teached me alot of useful information. currently, I have trouble with my roomate. I cannot stand his bad temper and rude way, so I move out. However, when I want to sublet my room, the leasing office needs his signature to change the lease. Of course, he does not want to sign any paper work for me. Without his signature, I cannot sublet to anyone. I have tried some many ways to try to talk to him but he does not want to talk at all. The only choice i have been left with is stopping paying the rent, and the get evicted by the leaseing office. I know they will file the claim and bring us to the court, and the judegement will also appear on the credit hisotry. The good thing is I only need to pay the money for the fees and the rent until the date I will get evicted, and I don’t need to stay until the end of the lease, August 2011. I am wondering, in such a special case,
    1, if the future landlords check the credit history and find the eviction, will they see and understand my argument that I stop paying the rent is not my willing, but my last choice in this situition? or they just see the “eviction” term without seeing any of my explanation?
    2, if i get evicted, will this hisotry affect my looking for a job or applying a green card. Right now, I m a F1 student and planning to work here after 3 year when i graduate, and also will they affect my greencard application in the future?
    thanks, I really have no choice in such a situation.
    looks like will it be worthwhile to trade the hurting my credit hisotry by eviction with paying the next 10 month’s rent which is $3000?
    I really appreciate your help!

  73. Q on October 31st, 2010 4:31 pm

    I was wondering I’m in he state of VA and I have court order for non payment of rent for the Nov 8th told the rental office I can’t attend court and I would make a payment on the Nov 10th two days after I was suppose to go to court. Mind u my lease is up on the Nov 13th I given them my 60 day notice. Will this show on my public records and credit report.

  74. VideoCreditScore-Andy on November 3rd, 2010 11:30 am

    It really depends on how they decide to report it. Did you ask them to not post a late in agreement for the Nov. 10th payment? You might as well ask.

    Andy

  75. VideoCreditScore-Andy on November 3rd, 2010 11:47 am

    Explain to the roommate that an eviction will hurt both of your credit ratings. He’s playing a game of chicken most likely, hopes to live alone and have you pay rent. You BOTH want to avoid an eviction on your credit report. If he refuses to let you sublet, you have to play the eviction card. Send a letter to him and the apartment to start eviction proceedings. Most likely, unless he’s insane and doesn’t care about his credit, he will have to comply and sign. If he really doesn’t care about an eviction on his credit, you’re sunk, if he goes through with it. I also recommend contacting a tenants rights group in your area. Good luck Terry.

  76. matt on January 6th, 2011 11:12 pm

    Hi,

    I moved out of town for college and got an apartment. I had several issues with it such as black mold in my balcony closet, flooding from the balcony, roaches and a couple of other minor things like terrible paint jobs. I called maintainence to fix my balcony closet because it had mold in it. they knocked the dry wall out and called the job done. i also requested that they fix all of the other problems and they never did. I told them I wouldnt pay rent until it was fixed.
    I talked to my landlord after she evicted me and we agreed that i would pay the rent i owed when i got my financial aid check from school.
    I had problems at home and had to move back and transfer schools. I found someone to take over my lease. My landlord told me i have to pay my remaining balance before i can sublease my room.
    The land lord and I signed a paper stating that I would pay the remainder of my balance by the end of January 2001. I still plan to do that. Can she refuse to let me sublet my room because i owe a balance, even though we have a paper that says im going to pay her back?

    Also, do you think I could use any of the problems i stated above to help my case.
    Any help would literally save my life.
    Thanks!

  77. VideoCreditScore-Andy on January 26th, 2011 6:08 am

    Honestly. These are better questions for a tenant’s rights specialist in your area, but I’ll try and help. :) If she evicted you, the apartment and the balance are now her issue. This is why security deposits exist. It essentially provides some security on default. They get to keep that and nothing else. She can put the eviction in your credit file, but that only happens if you are dealing with large apartment companies [e.g. REITS like Oakwood or Avalon]. If this is a mom and pop apartment, I’d let her keep the security deposit and move on with your life. The issue is that you signed a contract saying you’d pay up. This is why a tenants rights person is a good next step.

  78. ley on March 26th, 2011 3:47 pm

    I have rented an apartment in 2003 with roommate1. In 2005 my roommate1 had left by substituting roommate2. I substituted a roommate3 in 2006 and rented apartment in another city and moved out. Before I left, I filed out a form about the substitution gave to the landlord. she agreed, but didn’t gave me a copy. Roommate3 left in 2008 since roommate2 was married. At the end of 2009 roommate2 and his wife left the apartment. A week a go I applied a credit card but denied because some collection issue. Two days ago i a checked my credit. I suddenly saw collection opened(at the end of 2009) and court judgment (oct 2010) from this apartment complex. I don’t even know what that for. However, the apartment complex went after roommate2 and me, instead of roommate2 and 3. Since 2006, I have rented three different apartment complexes. My first question is how can I go after this? Second question is: Am I guilty for not showing up at the court. Currently I live in another state (it been almost 2.5 years in my current State).

  79. Melissa on April 5th, 2011 2:54 pm

    Hi my husband and I are about halfway into our lease. He recenltly lost his job and I wasn’t working. We talked to our apartments and they said that if we can pay them by the 21 of this month then they will waive all the late fees, but we will have to turn around and pay them again on the 1st. With neither of us working we won’t be able to pay that back to back. If we were to break our lease we would owe over $5000. Is there any way to get out of our apartments without hurting our credit?

  80. Tenna on April 8th, 2011 7:28 pm

    Hello, I have a question. Due to a misunderstanding in 2009 I had to leave my apartment. I placed a check for rent in the deposit box and the rental office claimed they could not find it. A few days later I got notice of a late fee for past due rent. I told them the exact date I placed the check in the box and told them I would pay the rent by money order but not the late fee bc I was not late. They refused and took me to court. I won the case but afterwards the rental office became rude so I decided to move bc my lease was up anyway. They still charged me for rent the following month, and now its on my credit. I was just denied an apartment bc of it. The judgement is not showing in the public records section of my report but in the negative credit section. How can I fix this so I can reapply for the apartments. They are income-based apartments and I really need to live there.

  81. VideoCreditScore-Andy on April 20th, 2011 9:38 pm

    You should dispute the tradeline. Likely the company will take a while to report back and in the meantime it will be removed from your report. See my dispute section under credit resources. Did they charge you for rent for the month after your lease was up? If so, your dispute of this should help and you should think about suing them in small claims court again.

  82. VideoCreditScore-Andy on April 20th, 2011 9:40 pm

    your credit will hinge on whether or not they report it. If its a mom and pop landlord, they probably won’t. If a larger apt company owns them, they probably will. Sorry, you are definitely going through a tough time.

  83. DeShannon on May 16th, 2011 10:30 am

    Ok in my case I got evictied one time in 2005 and I recently tried to apply for an house to rent and the landlord said it came back with three evicitions how is this? so how can I get a free crdit report to see whats going on?

  84. VideoCreditScore-Andy on June 2nd, 2011 10:20 pm

    Start with annualcreditreport.com. That’s the govt mandated site.

  85. Guillermo on July 1st, 2011 6:16 pm

    Hi, i’m very concerned with my credit score ,just apply for a rental community and i was denied for very bad credit .Okay i got bad credit but they came out with an eviction dated 2002 that i had .So 9 years later and still in my records ??? And it was not my fault i co signed for my cousins but i got screwed up. Is there any way to fix this problem or wait another year til my credit scored clean up ?? Hope to get a quick answer and thanks by the way, G

  86. PRISCILLA on July 6th, 2011 6:50 am

    HEY I NEVER HAD AN EVICTION BEFORE THE APARTMENT SENT ME OUT FOR AN EVICTION BECAUSE THE PAYMENT WAS LATE AND BECAUSE I WROTE A PERSONAL CHECK AND THEY WANTED A MONEY ORDER NOW HOW WOULD THIS TAKE PLACE HOW CAN I DEFEND MYSELF IN THIS MATTER

  87. Maurice E.F. on August 12th, 2011 6:06 pm

    To whom it may concern: In 2005 I was summoned into Court for an eviction preceding. I had a section 8 voucher and still do at this time. Annually there is an apartment inspection for section 8 program and my apartment inspection failed due to the entrance double doors to the building was broken off the Hinges. My apartment was right near the entrance of the building. Because my inspection was at the time the doors were broken, it failed due to unsafe conditions. Section 8 stopped paying their portion of the rent although I continued to pay my portion and had to prove this by bringing in cancelled bank statements to that effect in Court. After talking to the Attorney the case was dropped and I never had to stand before the Judge to plead my case. I did not know at that time that this eviction preceding would be a matter of public record and that it would affect my future chances of renting an apartment. Since that time I have rented two apartments and never had a problem until recently when this new apartment complex pulled a background check and saw the eviction on record. This was my first time finding out about this eviction on record. I was never evicted and stayed 1 more year before moving out. It makes me look really bad. Recently I have requested a letter from the apartment management stating that I was not evicted. They wrote a letter stating that I had a section 8 voucher and that I always paid my rent on time. In other words they backed up the fact that I always paid my rent, but did not say that I was not evicted in the letter.
    The new apartment complex will accept me based on my excellent Credit history and how they already perceive me as a Tenant. It’s been about six years now. Do I need to worry about getting the Eviction off my record? If so How? Thank God the New apartment is working with me. I still feel bad about the eviction being on my record when I didn’t even get evicted. It seems like a miscarriage of Justice. What should I do or should I do anything at all? Thanks for your input. Maurice E F.
    PS this eviction was not reported on my Credit report but rather my Lanlord/Tenant Rental history how do I get this removed its been 6 years now

  88. VideoCreditScore-Andy on August 19th, 2011 3:25 pm

    Well the good news is that it’s not hitting your credit report. Better yet, most landlords care about the most recent history. An eviction from 7 years ago is not nearly as risky as someone who just got evicted last year. You can talk to a lawyer, but I think your approach of being honest with future apartment complexes will be best. You could also get a notorized letter from the apartment in question to show the case was dropped. I’d check your files again at the 7 year mark. Ask your landlord to run another background check to see if it was removed or get online and purchase a background check to see if it appears.

  89. VideoCreditScore-Andy on August 19th, 2011 3:49 pm

    Slower answer than you wanted. Sorry. 2002 eviction wasn’t on your credit report. It was on your background check most likely. In the future, most landlords will accept you if you tell them up front about it. They just don’t like being surprised. You can also offer to pay a little larger of a deposit. Still, I know from others that an old eviction + good credit score = rental app acceptance. Get your score higher and you will be back in a rental.

  90. Shawn on August 25th, 2011 12:08 pm

    Hi Andy,
    How soon after an eviction is filed does it hit your credit report/ background check? In other words if the eviction was filed today (Thursday) would I be able to go out tomorrow and get another apartment without it showing up on either of those reports?

  91. VideoCreditScore-Andy on August 27th, 2011 10:17 pm

    It will take 30 days or so to show up on your credit report. In other words, if you apply for an apartment the day after your eviction is filed, it likely won’t show up on the background check right away.

  92. Gaby on September 19th, 2011 4:19 pm

    Hi Andy, I have a question I had an apartment eviction almost 7 years old, after my seven year I would like to know if you would know if it will still show, when I apply for any type of lease. Thanks Gaby

  93. Jasmine on September 22nd, 2011 9:27 am

    Hi… How long does it take an eviction to come off your public record? Can other apartments see it within that time frame?

  94. VideoCreditScore-Andy on September 29th, 2011 11:03 am

    7 years. Yes. it will be reported to them in the background services they use. Best to own up to it, in advance!

  95. Lauren on October 7th, 2011 10:39 pm

    When I was 18 I rented an apartment I couldnt afford and the leasing agent knew it but pushed forward. Anyway after losing the great job I had I then lost the apartment. That has been almost 5 years now. I am moving soon and need to get an apartment near my university. I have a son so i cannot live in a dorm.. Can you be denied family housing on campus? Will I be able to find a safe place for my son and myself? I will be moving to the North part of Tx in Denton. TWU :)

  96. Courtney on October 11th, 2011 10:01 pm

    Hi there.I’m concerned about an eviction that occurred 2years ago because of 1month of unpaid rent due to job loss.I haven’t tried renting yet at all but need to soon.I have a husband and a I year old child.My husband got a new job and we went from living at mom n dads to living temp in a motel till we save money to rent an apt.My question is I owed $1000 to the apt I got the eviction at and I’m sure it’s on my reports.Well should I pay that first before even looking for a place to rent?There is a lawyer who says he can remove my eviction is this possible?Any and all advice would greatly be appreciated thankyou!!!

  97. VideoCreditScore-Andy on October 19th, 2011 10:21 pm

    I’ve never heard of anyone being denied university housing because of previous credit issues. Let me know what happens

  98. VideoCreditScore-Andy on October 19th, 2011 10:29 pm

    No lawyer can honestly remove an eviction from your credit file. it will be there for 7 years. Best to simply tell your new landlord about the eviction and offer to pay double a security deposit. I know this is hard.
    Don’t pay the $1000 owed. Use that towards your new deposit.

  99. tekeila on October 29th, 2011 4:46 am

    If my rent is due on the 1st but u have till the 5th to pay after the that its considered late but will it show on my credit that it was late if I pay say like on the 4th but not the 1st

  100. VideoCreditScore-Andy on November 6th, 2011 10:35 pm

    No. Paying by the 5th is still considered “not late”. It’s as if your real due date is the 5th. :)

  101. horace on November 28th, 2011 7:02 pm

    My wife and i are seperated and she got evicted after i moved out. Is there anytging i can do not to have a evicton on my record?

  102. james on December 15th, 2011 11:54 am

    i have two roomates and they lost their jobs and couldnt afford rent so we we’re sent an eviction notice and court date, we havent went to court yet but i am looking for another apt in the mean time. my question is will the eviction show on my records and prevent me from getting an apt or does it not show until judement has been made in court?

  103. kelly kitchen on January 8th, 2012 8:00 am

    Hello, How are you? I have a deep concern that Im truly seeking your advice about. A few months ago my fiance and I made an attempt to apply for an apartment. The policy specifically stated that we would have 48hrs to renege on our decision. This took place on a Saturday afternoon. Well about 8 hours following our downpayment and application process, we decided to draw back our offer for the apartment via telephone. As we spake with the manager of the rental agency, they pretty much gave us the run around, by stating the realtor we previously dealt with was out on apartment viewings, and that Monday would still be okay for us to receive our full refund. When we were finally able to get our point across, we were then hit with the unfortunate news that we would lose more than half our down payment, and that we wouldnt receive any refunds for four weeks. Long story short we cancelled the check and now they have placed the debt on our credit report as a rental collection of $ 205.00. Please help. Will this ruin our chances for apartments in our future? Does it show as a rental negligence on our credit although we never rented from this company before? Thankyou

  104. VideoCreditScore-Andy on January 24th, 2012 10:28 am

    This won’t show up in public records until the judgment. Hope that helps.

  105. VideoCreditScore-Andy on January 24th, 2012 10:29 am

    Not if the apartment lease is in both your names. Sorry.

  106. Lisa on January 24th, 2012 8:54 pm

    I recently applied for an apartment and it was brought to my attention that I have an eviction on my credit from 2007. Now there was an agreement between me and the apartment complex for me to break lease due to my life being threatened in front of the apartment management ,and also the police . I got an injunction and also was told by state attorney that by law because my life is in danger I would have to relocate and it would not be held against me. Now it shows on my credit but does not have an description of why?? I’m not understanding ………::please help

  107. Just Dont Know on January 27th, 2012 12:59 pm

    Hi Andy im 28 years old well i have 2 problems. Back when I was 18 in 2002 I got an apartment with an X friend it was only for 6 months it was goin to be up in Jan 03. By December 02 we both started looking to move out by Jan. The rental office wanted a notice tht we were not renewing I turned it in and thought it was done BUT DID I THINK WRONG.! BY 04 Collections were callin bcuz apparently the rental office rented the apartment out to my X friends mother secretly with out me knowing and by the end of her 6months she had problems with my X friend mother. She damaged the unit and didnt pay the last month and it went to me and my old friend credit even though she knew her mother lived there i tried to fight it I called the company corporate office they said they didnt believe the rental lady would do tht. I went to police station to take to court didnt believe me It WAS JUST A NIGHTMARE wanted to kno is it off and would it stay on my credit. 2nd…Me and my boyfriend got the next apartment and it happened AGAIN.! WE DID A YEAR AND BY LAST MONTHS OF LEASE WE WERE BREAKING UP.! BY JAN 05 HE PAID IT I HAD LOST MY JOB SO I COULDNT PAY BUT WE HAD 3 MORE MONTHS LEFT THERE BUT WE WERE OUT BY FEB FOR NOT PAYIN RENT. MY QUESTION IS CAN I SETTLE THIS WITHOUT HAVIN TO PAY ALL THE AMOUNT IT BECAME AN EVICTION. SINCE ITS BEEN SO LONG WOULD I STILL HAVE TO PAY THE ENTIRE AOUNT FOR COLLECTIONS. I have had trouble gettin an aoartment and dont kno wht to do as far as paying..COULD U TELL ME SOMETHING :)

  108. Lasandra Jones on January 31st, 2012 7:06 pm

    Long story short, in January 2010, I could no longer afford my apartment, so I informed management and they allowed me to move out the apartment as long as it was in good condition, which I cleaned thoroughly. Well, low and behold when I checked my credit report last month, I see it listed as a negative account on Experian last status dated August 2011. What should I do? Do I just await until 2018 when it falls off or should I dispute it, although I feel that it is too soon? Unfortunately, I no longer have the correspondence that the apartment manager provided me when I moved either?

  109. Lasandra Jones on January 31st, 2012 7:12 pm

    I also just found out that the property is now under new management, in case that helps your response. Thanks

  110. VideoCreditScore-Andy on March 7th, 2012 5:22 pm

    You should dispute it, but for future readers/rental situations for you, you should get a signed agreement from management stating that you and management have agreed to end the lease early and that no negative credit statement will be issued to the bureaus. Also, if the dispute doesn’t work and it remains on your report, you should tell ALL future apartments you apply at your story BEFORE they pull your report. Your honesty will pay dividends. You may consider offering a larger deposit to provide them some security.

  111. VideoCreditScore-Andy on March 7th, 2012 5:26 pm

    If the eviction is on your record the damage is done, in part. If you want to wait it out for 7 years to fall off, that is an option. If you do pay the collections, negotiate and offer 50% of the amount. They folks have already written off that debt, so anything they get is found money. It seems rare for people to get a settlement for 25% of the amount, but 75% seems rare too [it's too much in most cases]. There are outfits that won’t take anything but the full amount. Hope that helps

  112. VideoCreditScore-Andy on March 7th, 2012 5:29 pm

    I would dispute it. Look at the credit dipute letters in our resource section. You might have to get a lawyer involved. Try looking up tenant rights groups in your city

  113. myia on March 12th, 2012 10:20 pm

    I apply for an apartment in October of 2011 and was denied do to a eviction I got in the year of 2005.want to court house got a print out of my public record and it said file destroyed,I also order all three of my credit report for this 2012 and didn’t see any money amount owed to that apartment complex I owe.I also went to the apartment complex and its under new management I was told that they don’t have my file.I raned out of option do not know what else to do now! CAN SOMETHING ELSE BE DONE?

  114. VideoCreditScore-Andy on March 18th, 2012 8:54 pm

    Yes. Dispute it. Likely the bureause will be unable to get a response from the court and by law they will have to remove it. If not, they have to prove to you that the record exists. Dispute letters are in the resource section. The how to video on disputes is here.

  115. Andy on March 19th, 2012 9:53 am

    2 years ago i made a mistake and signed a lease for a friend that later on on broke the lease 3 months i now owe 6000$ and need to find an apartment soon.I want to know can i still find a good apartment,can i just pay a huge deposit and can moving in with someone make it easier for me to find a good apartment with this eviction on my record?!?

  116. VideoCreditScore-Andy on March 24th, 2012 9:26 pm

    Best idea is to explain why the eviction happened up front to any prospective landlord. You may want to offer a big deposit as well. If you have a good credit score, that should help. Great references can help as well. Another strategy: You might think about moving in with someone who has a lease already and ask about adding you to the lease. In 7 years this eviction will drop off your credit report.

  117. Lasandra Jones on April 6th, 2012 1:08 pm

    Andy I just wanted to thank you for your advice because I was able to locate the letter received from the apartment complex, however, I did dispute with the credit bureau and I received the results today stating that it had been deleted from my credit report. I was prepared to submit the appropriate documentation, but I am truly grateful to your advice.

  118. VideoCreditScore-Andy on April 8th, 2012 3:45 pm

    So glad I could help. Congrats!

  119. jay on April 18th, 2012 10:36 pm

    hi I live in Ga. I was going thru some disputes on some issues with landlord and didn’t pay her the rent. it’s a month to month verbal lease. My landlord filled a dispossessory proceeding for not paying the rent. We resolved the issue and I paid her the rent in full right after that, and she went ahead dissmissed the claim with prejudice before the court date, and also wrote me a letter that she filled it in error and rent is paid in full and no money is owed. Anyways, It is hitting under my rental screening as a filling and was declined for a new apt lease, but not on my credit report of public records yet. This incident as of today is almost month old. I submitted her letter to the lexis nexis agency who ran my backround check. They refused to remove from their records, but have approved me for the appt lease now.

    My main conerns over here are:
    - Will this be considered as a judgement or just a filling?
    - Will this show up on public section of my credit report? if it does, am I going to have a hard time getting a mortgage or credit card in next 7 years?
    - Can you give me the name of the agencies that will carry this for next 7 years like Lexis Nexis has it now in their record, so I can be pro-active in getting it removed ahead of the time.
    - what I need to do in order remove this from lexis nexis records. They are refusing to remove even after their request for an error letter, but have approved me for the appt lease.

    Kindly advise,

    Regards.

  120. Lateesha on April 19th, 2012 11:58 am

    Okay, so 18yrs ago (1994) I rented a apartment for a friend ….Aparently the friend was currently still living there until recently.,..I get a phone call the other day from a lawyers office stating that I owe 3,000 because the friend was evicted 2/28/2012. I totally forgot all about this apartment and that he was even still living there. Thank god for facebook and twitter because i was able to locate him,…I gave him a call and he gave me some long and drawn out story. So my question is what can I do ,do I have any rights it has been 18 yrs .

  121. VideoCreditScore-Andy on April 20th, 2012 10:09 pm

    What a story. I’m sure this hit you so out of left field. The length of time isn’t the issue exactly. If the lease was month to month in your name – many leases are month to month after a period, then the you are liable until the lease is broken or renegotiated. Lesson learned. Never rent an apartment for a friend. If your friend is truly a friend, they will pay the $3K to clear your name. Most stories like this one, end in a broken friendship. I hope yours does not.

    Andy

  122. Sheri' J. on May 3rd, 2012 9:36 am

    Hello Andy,
    I am relocating to Houston and was looking for an apartment to rent for abou t-2 years. My credit is not good as well too, but my rental history has been until that. I just recently found out that I have a judgement on my credit report. I called the apartments to find out, but was told that it is under new management and they dont have any of the older records…. So I am like…so lost. They did give me the previous management and collection agency name. Now the thing is that I was removed from the lease before my mother moved out. So they placed a jedgement against me and her, how is that possible? And what should I do? Please help!!

  123. Diesha on May 10th, 2012 1:44 pm

    I have a lease of 12 months; i want to move into another apartment by July 1st becasue i cannot get electric in my name. The person who was also on the lease, who was responsible, does not live with me no more(we divided the bills up). Peco energy will not allow me to get electirc in my name because they said since I was already there with him for 8months. Peco said I can’t just get it brand new in my name until back payment at this address has been paid; which is in an excess of $1750(i didn’t know he wasn’t paying). I told them this person does not live with me no more and they suggested that i put the bill in my name in which i promptly declined. So now I have to break my lease and move into a new apt. in order to get electric in my name again becasue I can’t get it at this address. Should I notify my landlord pgm real estate? On the lease it says i must notify them in advance before the lease is up or if i break it(2 mths prior, today is May 10th) ..it says they’ll keep the secrutiy deposit if i breach. Im afraid i will be obligated to pay for the remainder of the lease if i breach, but I have good reason to move…I have no electricity. Recently i found i still have power in my bathroom only, as well as gas and hot water(old building wiring), but i don’t know how long before pgm will notice me siphoning power using extenstion cords throughout my house, which is another reason why i want to move.

  124. Ben on May 29th, 2012 3:05 pm

    I lost my job and was late on my rent payment. Eventually it turned into an eviction notice and before the last day, my mom bailed me out and gave me the money for all back rent and fees. I finally got a new job and lived in the same complex trouble-free for 3 years after that. After moving out and looking for a new apartment to rent, I noticed there was an ‘eviction’ on my record and couldn’t get a place to rent. This has been on my record since 2007. I figure 2 more years and it should be gone. My question is there any way to get it off my record sooner? I was in the process of getting evicted but never formally did as I caught up with my payments.

    Thanks!
    Ben

  125. Alexandria Lewis on June 10th, 2012 1:16 pm

    I have recently contacted a debt management company and I have $3222 worth of uncollected debt on my credit report. I want to pay off the $3222 worth of debt over 5 months @ $750 per month. How will this affect my credit score? Also I have 1 eviction judgment against me. How will this impact my credit score after I pay off the $3222 in debt.

  126. VideoCreditScore-Andy on June 23rd, 2012 3:50 pm

    It all depends on what they have agreed to. If you get them to report it as paid in full, that will be better. Many won’t do that, but some will. Get it in writing. If they won’t agree to only pay 60% of what’s owed. Try a take it or leave stance. If they leave it, they get nothing. The eviction will hurt mostly in that it’s in your public records. It doesn’t impact the score, just the record which they see. You will have to admit to it when you rent a new place. It won’t impact a car purchase.

  127. VideoCreditScore-Andy on June 23rd, 2012 3:54 pm

    When you were removed from the lease, did they sign your mother to a new release. In other words, what documented proof did you get that you weren’t on the lease anymore? If you can prove it, just do a credit report dispute. Use the credit report resources section in my site to see a draft letter. That may work, but you may need a lawyer to help you… in the end. Even the dispute doesn’t work, you can always explain, up front, your situation and show the documentation to put a landlord at ease. Let me know what happens.

  128. VideoCreditScore-Andy on June 23rd, 2012 3:58 pm

    Should show as just a filing. plus it should impact mortgage or credit card applications. They look at the total score. One thing though. Mortgage companies are looking for any way they can to increase your rate – still give you the loan – but make you pay more. Don’t play there game. Keep disputing this NOT by contacting lexis/nexis, but the credit bureaus themselves and you might get it removed before you apply.

  129. VideoCreditScore-Andy on June 23rd, 2012 4:00 pm

    Sorry not likely. Best to wait it out. Or do this, tell a new potential landlord up front what the issue is and offer 2x the security deposit as good faith. Your story is old enough and solid enough that you might get a break.

  130. VideoCreditScore-Andy on July 29th, 2012 5:11 pm

    You might seek out a credit counselor or better yet a lawyer on this. This seems incorrect, although I lack expertise on this, as it’s more of a legal issue, I don’t think you can be denied electricity because of a roommate’s lack of payment – if you weren’t on the bill. I could be wrong on this though. Does your town have a tenants union? or a renter’s advocacy group. Check it out.

  131. kay hinkle on September 7th, 2012 8:34 am

    I have an eviction from 8 yrs ago will that still hurt me

  132. jenniferrjrose on September 10th, 2012 6:11 am

    Hello, I am currently paying off an eviction from 2010 through a collection agency, we settled for a lesser amount in return for full deletion from credit report. What if any impact will this have on credit report and apartment applications? I’ve applied about a year ago and was denied. Will paying this off even help or did I just throw away money? Ialso. Paid to delete a few other collections in hopes of raising overall credit and maybe getting a mortgage within a year or so. Any advice is appreciated

  133. Merveille on September 22nd, 2012 12:56 pm

    I was evicted 6 years ago and the company is out of business as of last year. My credit score is still low. I have been leaving with a friend who made me signed an leasing agreement and I have never been late paying him, my friend has sold his condo and I have to move out within 3 months. How can I find another landlord? Can they approve me even if my eviction has been on my credit report for 6 years? Can my friend’s leasing agreement be of a great impact for the new landlord? Would they even consider that?

    Please help

  134. VideoCreditScore-Andy on November 27th, 2012 5:35 pm

    No. It should be off your file after 7 years.

  135. Queeni on December 19th, 2012 8:34 pm

    I had an eviction in July of 2005 thats when it was filed, and I am wondering how long before it falls off of public records and my credit? Will this still affect me renting an apt? Oh., I live in California, does that make a difference?

  136. Lo on February 16th, 2013 4:58 pm

    I recently looked on my credit report and noticed like you said a judgement against me per the apartment complex. My roommate at the time owed me from a previous month but she was always good about repaying so I agreed to resign the lease with her. Two weeks in and two weeks before rent was due, I came home and she had moved out. I was stuck with the entirety of the rent and my funds were already to low from paying her half the previous month. Long and short I tried to work with the complex but they told me that even if I did pay once they filed an eviction it would be on my rental history. I asked for 5 extra days ( I know its corporate america but I tried to make it work) before they filed so I could pay them the rent and would all fees including their court fees if they would hold of on filing. They said no so I moved out. I left it in good condition, I cleaned, I moved all my things, etc. I locked it on the way out and slipped the keys in the rent deposit box. It was due on the 6th I moved out on the 20 and I never had anything on my door. When I moved back in with parents while finishing college I did receive a notice that they had filed and won a judgement of about $700. Well today I saw a judgement listed as $3185 from a collection agency that had bought it. The original amount they list from the complex was $2913. How can they get a judgement won for $700 and then it shows up on my credit from the complex as $2913 then an collection agency claims it as 3200? Do I have any standing ground? I would have liked to pay them the 700 I owed them. I don’t understand where the 2300 is coming from. What am I missing? I am not paying them 3000 so I will roll the dice and let it fall off if that is my only choice. I know have a job were I can support myself and school so I am starting to look at private homes for rent from private landlords. I have saved three months up front plus a security deposit and hope that it will be enough. Thanks

  137. VideoCreditScore-Andy on May 5th, 2013 6:11 am

    After y years the eviction is removed from your public record. Even if a new prospective landlord could find out about it, they probably wouldn’t hold an eviction from 6+ years ago with much weight. If they are concerned, I always recommend placing a larger deposit down.

  138. VideoCreditScore-Andy on May 5th, 2013 6:21 am

    If you list your friend as a landlord, a new landlord might contact him as a background check. Plus, your eviction will fall off your public record after 7 years.

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