March 28th, 2013

How Does an Eviction Affect My Credit?

50 Comments | Twitter | |

How Does an Eviction Affect My Credit?

Unlawful detainer.

Chances are you don’t know what that means, unless you’ve been expelled from your home. It’s the technical term for the legal action taken to evict someone from a property.

Unsurprisingly, evictions most frequently occur when a tenant has broken the terms of his or her lease, like when you fail to pay rent. That kind can do a number on your credit health. But there are other types as well.

Today, we’ll take a quick look at the different types of evictions and then go over how an eviction can affect your credit.

Different Kinds of Evictions

There are four most common types of evictions.

  • Failure to pay rent. When a tenant is late in paying rent, the landlord can issue a three-day notice to “pay rent or quit.” If the tenant pays during that three-day period, he’ll be able to stay. Even a partial payment, if accepted by the landlord, negates the notice of eviction. But if the tenant fails to pay, the owner has to file an unlawful detainer to regain possession of the property.
  • Breaking the terms of a rental agreement. If a tenant goes against the terms set out in his rental agreement–such as keeping a pet on the property when not allowed–the landlord can give a ten-day notice for the tenant to comply with the agreement or leave the property. If the tenant fixes the problem, he gets to stay. Otherwise, the landlord can move forward with the eviction process.
  • For creating “waste or nuisance.” In simpler terms, this is an eviction for being a messy and destructive tenant. It can also be issued if the tenant is conducting unlawful activity on the premises. When this three-day notice is given, the tenant has no option to remedy the situation–he has to move out.
  • For no cause. As long as the eviction isn’t proven to be discriminatory or retaliatory, a landlord can evict a month-to-month tenant without stating a specific reason. The difference here is that the tenant receives a 20-day notice, which must come at least 20 days before the next rent is due. This type of eviction is not permitted in some larger cities.

How does an eviction get on my credit report?

It’s important to know that just receiving an eviction notice isn’t what puts it on your credit report. An unlawful detainer must be filed in court. The property manager has to obtain an eviction judgment from local small claims or civil court.

Once the judge has ruled in favor of the property manager and the judgment is final, the three major credit bureaus will receive notices of the eviction and add it to the tenant’s credit report in the form of a public record.

How does an eviction affect my credit?

Evictions that go to court and are filed as judgments against you are treated as public records on a credit report. A public record stays on your credit for up to seven years from the date it’s filed, and it can’t be removed early in most cases. It can have several affects on your credit and your life in general:

  • It’ll ding your credit score. This is the most obvious affect. You can simulate how several different types of public records can affect your credit score with the Credit Simulator.
  • It’ll hurt your chances at a job. Though not all do, an employer can check potential job candidates’ credit report. A public record on your credit report can be a red flag for some employers. But there are ways you can prepare yourself if you’re on the job hunt and you’re worried about a black mark on your report.
  • It’ll make it hard for you to rent again. It’s not impossible, but finding a new apartment with an eviction under your belt can be tough. Here are a few tips to help:
    • Start improving your credit health immediately. Use the guidelines in this blog post: My Credit Is Terrible. Now What?
    • Use a rental brokerage service. Explain your situation to them and see if they can help you find an apartment without a background or credit check.
    • Be willing to compromise. Offer to pay a higher security deposit and definitely be ready to explain any helpful circumstances of your eviction.

Bottom Line: I don’t have to tell you to avoid an eviction at all costs–that much is obvious and unhelpful if you already have one on your credit report. But this guide should help you better understand your situation and turn things around for the better. Good luck!

Have you bounced back from an eviction? Tell us about it in the comments!

Bethy

is the Social Media Manager and Writer at Credit Karma, where she’s been since February 2011. When she’s not writing about credit and finance all over the web, you can find her playing her guitar, catching the latest movie, training for her next race or just exploring the city of San Francisco. Say “Hi” on Twitter: @bhardeman.

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50 Comments

  1. So if someone pays on time as required and is evected for having a dog would that appear on their credit?

    George at 3:39 pm on September 14, 2013
  2. Very useful post. Eviction is indeed a very stress giving process.

    Craig Zim at 1:14 am on September 19, 2013
  3. After finding out the condo Im renting is in foreclosure I stopped paying
    The landlord. He the file an eviction notice . The courts wanted
    Me to deposit the amount owed but I already gave a portion of the
    Money to another someone who claim he had a place I could move in.
    So I just did not have all the funds because I not mot deposit the funds
    In courtI did not have a hearing I file a motion twice n was rejected because
    I had to put the full amount in the courts . Well now it showing on my renters
    agency I cant get a place to live . Now the owner wants to make
    A deal with me to pay at least a half . Im asking him to remove
    My name and I will pay him . He said to find out how n when Im paying
    Him he will remove it can this be removed ?
    Thank u

    Elaine at 3:25 pm on October 7, 2013
  4. I currently have 2. The really old one was legitimate I can’t be mad at them. The most recent (3 years ago) was a wishy washy landlord who was back and forth about me staying or leaving. They bought the property AFTER I moved in. They told me in Oct. 2011 I had to move, then came back in Nov. 2011 and told me I could stay if I paid a higher rent starting December 1st 2011. Then they came back Nov. 30th 2011 and told me I had to move. So I told her if she wanted me to leave she had to evict me because she was too wishy washy. How do I bounce back from that? There were no monies owed when I was evicted but the judge wanted to try to give them some of my money anyway. Since I didn’t owe the money I refused to pay and I will always refuse to pay.

    Angela at 6:17 pm on March 16, 2014
  5. for clarification of my first comment I meant that I will always refuse to pay that particular landlord only because 1) she was not legitimately owed any money and 2) the games she played caused undue stress and I feel played a significant role in causing my miscarriage

    Angela at 6:28 pm on March 16, 2014
  6. I had to call the police because my son was getting violent. Now my landlord wants to evict me. I have read about HB 1796 which protects tenants from such evictions, but I not for sure if it is a law yet.I live in PA.

    Susan Justice at 6:20 am on April 20, 2014
  7. Mike

    Hi Susan – I’m really sorry to hear that. Unfortunately, that’s not something we’re able to help you out with. We do wish you the best of luck, though.

    Mike at 9:37 am on April 21, 2014
  8. I have a tenant that has not paid and is out of lease and refuses to show the property for sale …. what are my rights in the state of florida?

    jc at 3:10 pm on April 21, 2014
  9. I’m a college student and I’ve been doing my best but there was a death in my family on June 9th and I had surgery June 12th. I had been paying them everything I had until my hours depleted in late April, early May. So I’ve been trying to save money but I’ve also had other bills. Now I haven’t been working and it’s gotten out of control. I will pay them when I can but now this is going to be on my record. Any ideas what I should do?

    Kassi at 12:48 pm on June 18, 2014
  10. i am a single mother of an eight year old girl, struggling but making a good life for the two of us. Recently the place i have been renting for the past two years has gone into foreclosure or short-sale. Either way i had been paying faithfully a large amount for the space leased even though the landlord refused to sign a lease with me the tenant. I have receipts to prove my residence but no actual legally binding contract. I lapsed in payment because i was informed not to give my rent to the previous collector for he was no longer the property manager.An eviction notice was served, I paid the rent i owed in full but it had already gone to the courthouse. I was never evicted. I left in good financial standing with the landlord but now as i am trying to find a new home for my eight-year old and myself, no one will accept me. I work hard and i hold my finances well yet we are left homeless because of this. Is there any hope for us? Are there any legal steps we can take, what should I do?

    Elise Kurtz at 6:40 pm on June 23, 2014
  11. I have a an eviction on my record from 14 years ago, and I want to know I get that removed? Can someone help me figure that out?

    Danielle at 11:20 am on July 2, 2014
  12. Mike

    Hi Danielle – This might be a good question for our Credit Advice Center. I’d recommend asking your question here: https://www.creditkarma.com/all/advice

    Thanks!

    Mike at 9:20 am on July 3, 2014
  13. Ok…so, what happens if you were late paying rent but your landlord has agreed, in writing, that she is going to give you a month or two to pay it off and you have been on time making double payments, and then sends an email stating that you have 45 days to vacate? But this is before the deadline that was agreed upon in writing? What happens also, if you pay the balance owing 10 days after she claims that she is going to file for evicition, does the eviction or unlawful detaineer still go on your record?

    Sonya at 11:03 am on August 12, 2014
  14. Mike

    Hi Sonya – Thanks for your comment and your questions. I’m sorry to hear that you’re having so much trouble with your landlord. Unfortunately, we cannot offer legal advice. If you’d like to have your questions answered, I’d recommend seeking the advice of a lawyer. Thanks again!

    Mike at 1:56 pm on August 12, 2014
  15. So as long as we move in when they say to it will not affect our credit? It says:

    It’s important to know that just receiving an eviction notice isn’t what puts it on your credit report.

    Phil at 4:14 pm on August 18, 2014
  16. I lost one of jobs after 2months in my first rental.
    I have paid them back however i still havnt been able to catch up with my finances properly.
    so ive been late on my rent almost every month since.
    They have given me few notice to vacate letters but nothing further has happened because i pay but its just 3weeks late every month.
    My lease is almost up and im worried they wont wamt me there anymore.
    I really want to stay what do ypu think my chances are.
    And if I move will all those notice to vactate letters be on my record?

    Jay at 4:30 am on August 23, 2014
  17. Hello my eviction is officially 7 years old. I looked at my credit report today and the eviction judgement was erased from it. So my question, is the eviction gone too?

    Tiffany Scott at 2:06 pm on September 16, 2014
  18. I recently tried renting an apartment and was told I have an eviction from 2011. When I looked at the report I noticed that it was from an apartment I had been living in with my mother. Yet, I never signed any lease. I was in fact 23 at the time, but I was not the one paying rent. The owner of the house was a big pain in the ass and always complained about noise. He lived on the first floor and us on the second so of course he was going to hear us walking or going up and down the stairs. My moms one year lease was already up and she was on a month to month at that point, which is when he told her we needed to leave. He took HER not ME to court and the judge dismissed the case. I had no idea I had the eviction until now! Is there any way this can be cleared from my record being as I never signed a lease or went to court!

    Jeness at 11:55 am on October 3, 2014
  19. I moved into a mold infest apartment at the time I didn’t know it was full of mold everything felt wet in the apartment in a month my clothes was full of mold my bed had mold growing on it these people was so money hungry they wanted me to pay to live in mold it was so bad I couldnt stay there come to find out they have been getting away with this and they are still renting these apartments only in Galveston county they look the other way no one will help you no one cares

    vanna at 5:50 pm on October 16, 2014
  20. My old Landlord had serviced me an eviction notice and toke me to court for payment. After the judge filed in his favor, I asked how I could keep this off my credit. The Judge said as long as you pay within 30 days it will not show on your credit. So i did so. But I just noticed today it shows paid judgement. How badly does this effect my credit and will it keep me from refinancing a house I just bought? How can I fix this?

    Cari at 8:12 am on October 20, 2014
  21. What is you never received eviction notice, but have email confirming that it’s ok to stay a few extra days to clean and paint and that you would pay what ever they wanted. this was back in 2011, I can’t fine it on my report but the place I want to rent from said it was there. How can I get this removed. I was never serviced an eviction notice.

    Debbie at 12:53 pm on November 17, 2014
  22. Charmaine

    Hi Debbie, if an eviction is on your credit report, it would appear in the form of a public record. It’s possible that they retrieved a report from a different bureau than you used. You could request a copy of the report they’re looking at, or ask them where they pulled it from. You can then try filing a dispute with the appropriate credit bureau. We discuss how to do that here: https://www.creditkarma.com/article/dispute-credit-report-errors

    Charmaine at 7:02 pm on November 18, 2014
  23. Im curious the house im renting is in forclousur and I have contacted the realtor company several times in reference to the notes left on the door. All im ever being told is that the rent is due regardless.so if I pay my rent and a few days later we have to vacate the house do I receive my money back?

    rene at 8:06 am on January 6, 2015
  24. I would like to know how can I get evictions off my credit? I never been to court because my landlord dismissed the case. I would like to move asap but I can’t because of these evictions on my record

    Lisa at 12:01 pm on January 6, 2015
  25. I recently found out that I have an eviction on my credit report. I lived in my apt for almost three yrs. It wasn’t until my lease was due to be renewed that the mgr said she would not renew (mind you it was under new mgmt). My lease would have been up 3/31/13. I found another place and moved in 4/1/13. It wasn’t until I was trying to move again about 5 months ago that I found out there was an eviction on my record. I called the mgmt office of the property to dispute it but they won’t help. They maintain that I was evicted 4/12/13 and owe over $3,000. How do I dispute this and get it off my report. I have my lease from the new place that shows I moved in 4/1/13 but that is it and this is holding me back from getting a better place. I never received any papers about an eviction. I never heard anything about an eviction until my application for another place was denied.

    Darlene at 1:18 pm on February 17, 2015
  26. how do you check for evictions on credit karma?

    Samantha harris at 4:34 pm on March 2, 2015
  27. Mike

    Thanks for your question, Samantha. If you have an eviction on your TransUnion or Equifax report, it’ll appear as a public record on Credit Karma. You can check out your public records here: https://www.creditkarma.com/myfinances/creditreport/summary#derogatory-marks

    Thanks!

    Mike at 4:42 pm on March 2, 2015
  28. I have had an eviction filed against me and I went to court and paid. I have not been evicted so I want to know if this will be on my credit report and prevent me from getting another apartment/townhouse.

    Cassandra at 6:09 am on March 10, 2015
  29. Mike

    That’s a good question, Cassandra. If you can’t find the answer you’re looking for in this blog post, I’d suggest heading over to the Credit Karma community to ask your question there: https://www.creditkarma.com/all/advice

    You can also find out more about what a prospective landlord may see on your credit file here: https://www.creditkarma.com/article/low-credit-score-apartment-search

    Thanks!

    Mike at 10:01 am on March 10, 2015
  30. I HAD AN EVICTION BACK IN 2009. I WANT TO PAY THE APARTMENTS BUT THEY WON’T GIVE ME ANYTHING STATING THAT I’M PAYING IT, I WAS WONDERING IF THERE WAS SOMETHING I COULD DO IN ORDER TO MAKE THEM GIVE ME SOMETHING IN WRITTING. I WAS ALSO WONDERING THAT IF THEY GO BACK TO COURT ON ME FOR THIS WILL IT SHOW UP AS BEING NEW ON MY CREDIT???

    AMBER at 9:08 am on March 24, 2015
  31. I have an eviction/broken lease on my record. I finished my lease before I moved out and I wasn’t asked to leave. How do I get it removed from my record? How do I get more information about why?

    Taylyr at 1:33 pm on April 8, 2015
  32. Mike

    Thanks for your question, Taylyr. You can find out how to dispute incorrect details on your credit report here: https://www.creditkarma.com/article/dispute-credit-report-errors

    You could also reach out to the Credit Karma community to see if anyone has had a similar experience to yours. You can find them here: https://www.creditkarma.com/all/advice

    Thanks!

    Mike at 2:47 pm on April 8, 2015
  33. I had two evictions back in 2011 and 2012. Both accounts are all paid off, and I’m currently in the process of trying to get a new apartment. Most if not all have denied my application. Is there any way of getting these accounts off my credit report? I’ve done some research, my credit score is slowly climbing, and have been making on time payments. I understand that these accounts will stay on my record for at least 7 years, but is there any other way of going about this and getting these accounts removed off my credit report? Please let me know, need to vacate soon and looking for a place!

    Daniel at 4:35 pm on April 13, 2015
  34. Mike

    Thanks for your comment, Daniel. You may want to reach out to other Credit Karma members to see if any of them have overcome similar difficulties. You can get in touch with the Credit Karma community here: https://www.creditkarma.com/all/advice

    Thanks!

    Mike at 5:45 pm on April 13, 2015
  35. 3 years ago my Husband and I was evicted with our 2 little children we always paid on point nlate been late and we always were in good graces with his step dad who was the owner we shared the 2 bedroom apartment with his brother and his 2 kids
    Everything was fine no problem until his brother moved in with then girlfriend and moved in his crackhead friend into his room just to be a douche that friend of his not only made our life but everyone’s a living hell according to his step dad he only put our names on the eviction to get my brother in-laws friend out but in no way he didn’t want us to leave a few months down the line we moved out but still my credit report has not been too good since and I can’t get a credit card my Husband step dad said he wouldn’t mind writing a letter saying the eviction had nothing to do with us and we were goodtenants but in what way can that help? Would it eliminate it from our records? Or how can I get it removed he’s willing to help
    Can some one help me out with this thanks and God bless

    Ivonne at 6:15 am on April 16, 2015
  36. Mike

    I’m so sorry to hear about all that, Ivonne. That advice is a little beyond our scope – state laws can vary regarding evictions and how you can remove them from your records. I’d recommend trying to seek out some professional advice if you’re looking to remove that eviction.

    Mike at 9:54 am on April 16, 2015
  37. Hi and Thank you for any advice. Long story short, the property I am currently renting from sold the property and today I received 456 day no cause notice to quit. Ive always paid on time and have been here for 6 years.
    Am I suppose to pay Junes rent and be out by June 30th?

    S. "Lisa" Olds at 5:43 pm on May 22, 2015
  38. Enola Guerrero

    Hi Lisa – I suggest asking your question on our advice page: https://www.creditkarma.com/all/advice

    Thanks!

    Enola Guerrero at 10:15 am on May 26, 2015
  39. Ok I have an eviction I looked it up in the courts its 10 years ago an I wanna try an apply for an apartment but I dont no if it will come up since its been so long an my mom said she will cosign for it an I really need this I pray for a second chance any advice please I need the help

    Shannie at 9:07 pm on June 9, 2015
  40. Enola Guerrero

    Hi Shannie – I suggest asking your questions in our advice center: https://www.creditkarma.com/all/advice

    Thanks!

    Enola Guerrero at 10:39 am on June 10, 2015
  41. I got an eviction notice by court to fail to pay rent which I paid on time. Please see the following below in time line:

    06-01-2015: I paid the rent for June-2015 including the utility bills on time as always. The check was cleared on the same day. Rent must be paid on or before 3rd of the month.

    06-10-2015: The landlord gave us a “notice of Vacation” dated 06-04-2015. I talked to the manager who said we will talk care of everything. It is their system error.

    06-11-2015: An Eviction notice was delivered by a cop. I went and talked to the manager in person. He said he solved everything. When I asked for any evidence, he did not have it. He typed a letter and faxed to the court in front of me. The letter, he sent, was dated 06-10-2015.

    Will the court eviction notice have any impact on my background check? How do I clear this case even though I didn’t do any wrong?

    Thileepan at 2:14 pm on June 12, 2015
  42. Enola Guerrero

    Hi Thileepan – You can go to the following link to dispute any errors you see on your report: https://www.creditkarma.com/article/dispute-credit-report-errors

    Thanks!

    Enola Guerrero at 10:26 am on June 16, 2015
  43. Can an eviction be expund? where can you go to find out how to pay off an eviction in chicago

    Beatrice Roberson at 6:00 pm on July 14, 2015
  44. Enola Guerrero

    Hi Beatrice – Please try asking your credit concerns at our advice center here: https://www.creditkarma.com/all/advice

    Enola Guerrero at 3:56 pm on July 16, 2015
  45. Hi I had and eviction 7 years ago. But on my credit it shows the judgement will be drop by September 2015. I have someone working on my credit she said, she dispute it and it should be on my credit anymore. Is that possible. But she said it might still show on public record but not on my credit. I am trying to get an apartment you thing they might still see it. Or will it go off public record too in September. Should I wait or am I just going to waste my application fee. And how do I go by taking it off public record. Thank

    Andriana at 10:39 pm on August 2, 2015
  46. Enola Guerrero

    Hi Andriana – Please check out our advice center for your credit concerns: https://www.creditkarma.com/all/advice

    Thanks!

    Enola Guerrero at 11:35 am on August 3, 2015
  47. Hello all!

    I lost my job and was unable to pay my rent so I moved out of the apartment. I knew that I would have to pay the remaining balance because they wanted a 90 day notice prior to moving out. Now it is showing as an eviction on my credit report, and I am not paying that until it is removed. Anyways, Can a landlord give you an eviction if you were not aware of it/not issued any legal notice?

    Thank you,

    Niki

    Niki at 11:41 am on August 28, 2015
  48. Enola Guerrero

    Hi Niki – I suggest asking your credit concerns in our advice center here: https://www.creditkarma.com/all/advice

    Thanks!

    Enola Guerrero at 4:21 pm on August 28, 2015

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