How Does an Eviction Effect Your Credit

Author: Todd Christiansen | Category: Eviction

When I am in court and on this blog, I get asked this question all the time:  “How is an eviction going to affect my credit” or “How do I get an eviction off my credit”.  Let’s start from the basics.  An eviction is a court proceeding that is dealing with the possession of property.  Who is entitled to occupy that property?  The tenant or the landlord.

If the tenant stops paying rent and the court agrees with the landlord that the tenant has violated the lease by not making the rent payment, the court will award possession to the landlord.  This means that the landlord can break the lease and take back possession of the apartment.  No where in that process (at least in the states that I know) does anything happen that could put something on your credit report.  This is a civil case.  It is no different that if you get a speeding ticket.  That ticket does not affect your credit (although it may affect your car insurance premium).

A landlord may chose to take the eviction to the next step and get a judgement against the tenant for the amount of money owed.  If that happens, then it does affect your credit score.  This is the same as if someone sues you for something and wins.  They have a judgement against you for the amount of money they were asking for.  That judgement will appear on your credit.

To remove an eviction from your credit, you need to remove the judgement from your credit report.  Most of the time, this requires that you come to some agreement with the person that put the judgement on your credit.  You most likely will have to pay them the amount owed.  Once you do this, you can have them file another motion in court to remove the judgement against you.  Another  less desirable way to remove a judgement would be to file bankruptcy, but that is a discussion beyond the scope of this website.

Comments are closed.