2. “Preparing to Buy a House: A Five-Year Financial Roadmap”

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Understanding Evictions and Your Credit Report

Does an Eviction Show on Your Credit Report?

Evictions are public records but do not appear on your credit reports. The only public records included in your credit reports are bankruptcy filings. However, landlords often request tenant screening reports, which may include your rental history, employment verification, criminal history, and whether you appear on sex offender registries or terrorist watchlists. These reports can also contain a risk score, similar to a credit score but designed for landlords.

How Long Does an Eviction Stay on Your Record?

Eviction records can remain in tenant screening reports for up to seven years. This timeline also applies to other public records like judgments and Chapter 13 bankruptcy. However, Chapter 7 bankruptcy can stay on your report for up to 10 years, and there is no limit for criminal convictions.

Can You Get Evictions Removed From Your Credit?

While evictions don’t appear on your credit report, removing them from tenant screening reports and public records might be possible depending on the situation. Here are some options:

• Dispute Inaccurate Eviction Records: You have the right to dispute information in your consumer reports, including tenant screening reports. Although removing accurate records of evictions might be challenging, you can dispute inaccuracies and errors. According to a study, 22% of state eviction cases in 2021 were ambiguous or false records. The Consumer Financial Protection Bureau (CFPB) maintains a list of consumer reporting companies, including major tenant screening companies, which can help you address these inaccuracies.
• Review State Laws: Some states have procedures for sealing or expunging eviction records, limiting who can see them or removing them from public view altogether. The process and your rights can vary widely, so it’s essential to find information relevant to where you lived when you were evicted.
• Contact an Attorney: An attorney specializing in housing law may provide insights to help remove evictions from your records. Local legal aid clinics or organizations offering free legal assistance, such as LawHelp.org, could be good starting points.

How to Rent an Apartment After an Eviction

If you’ve been evicted, a landlord might hesitate to approve your rental application. However, you have options to improve your chances:

• Explain the Situation: If circumstances have changed, explain what happened and why it won’t happen again.
• Offer More Money Upfront: Consider paying a larger security deposit or prepaying the first month’s rent.
• Get a Letter from Your Previous Landlord: If you’ve resolved issues with your previous landlord, ask for a letter of recommendation.
• Have Other References Ready: Gather rental references from other landlords or references from your employer, previous roommates, or colleagues.
• Get a Cosigner: Ask a creditworthy friend or family member to cosign the rental agreement.
• Look for Rentals Without Background Checks: Some landlords may not require tenant screening checks, although they might still check your credit report.

For any mortgage service needs, O1ne Mortgage is here to help. Call us at 213-732-3074 to speak with one of our expert loan officers today!

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