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From the Experts at Credit.com

What Happens To Your Credit When You Get Evicted?

by Lucy Lazarony

What Happens To Your Credit When You Get Evicted

Getting evicted from an apartment can make it difficult to find a new place to live and it can affect your credit history, as well, if your landlord obtains an eviction judgment against you in court.

Once a judge has ruled in favor of the landlord and that judgment is considered final, the
three major credit reporting agencies, Experian, Equifax and TransUnion, receive notices of the eviction. And the eviction is added to the “public records” section of your credit report.

Public records (such as bankruptcies and tax liens), and civil court judgments (such as evictions) stay on your credit report for seven years from the filing date and do some serious damage to your credit score.

Collection accounts are also listed in the public records section of your credit report.
If you failed to pay rent and your account was handed over to a collection agency, a collection account for your unpaid rent would appear here.

Collection accounts remain on your credit report for seven years from the original delinquency date of the debt, according to Experian.

If you’ve been evicted from a townhouse, apartment or rental home, it may be difficult to qualify for a new rental if a potential landlord checks your credit history.

Plus, many landlords use tenant screening services to screen future renters and it is likely that a screening company would inform a landlord or property manager of your past eviction, with or without a credit check.

Tenant screening services track down where you have lived in the past and whether you have paid your rent as agreed.

The best way to make amends for unpaid rent is to reach out to the former landlord or collection agency and make up for those missed payments.

Most landlords will be unwilling to lease to a tenant who has been evicted from another rental and hasn’t made an effort to pay off the debt, according to TransUnion.


  • http://www.Credit.com/ Gerri Detweiler

    Yes that’s a form of identity theft. You need to take the appropriate steps, including filing a police report, checking your credit reports, etc. You’ll find more tips here: What Should I Do If I’m a Victim Of Identity Theft

  • lindam313

    This happened in 2009. Is that a factor?

    • http://www.Credit.com/ Gerri Detweiler

      It’s a little late to file a report but I’d still suggest you try. If they’ve done anything else with your info it will be very helpful to have a police report.

  • http://www.Credit.com/ Gerri Detweiler

    The fact that there is new management is probably not a good enough reason to break your lease, but if there are other problems, then you may be able to do so. I recommend you do two things: 1. Put your complaints in writing and send it to the new management by certified mail and keep a copy for your records and 2. educate yourself on landlord tenant laws in your state to see if any have been violated. Your local housing authority may be able to help as well. state landlord tenant laws

    Please be careful – we’ve heard so many horror stories from tenants about their credit being ruined after they broke a lease early. Document, document, document – and know your rights.

  • ccurtisce

    What if you hand the payment to the landlord. Then the next day get a pay in 3 days or leave. Yes we were beyond un happy cause they dI’d nothing and there were cockroaches in the cabinets. We put a stop payment on the check Monday morning. Then after she called aND said sorry I found the check. We have proof of all the problems and decided to leave.

    • http://www.Credit.com/ Gerri Detweiler

      The landlords actions may not be legal. I suggest you research state landlord tenant laws in your state and contact your local housing authority if necessary.

  • Sean

    What if the reason for the eviction has nothing to do with paying on time? For example, if there is a dispute about how to interpret a term in the contract and the landlord seeks recourse through an eviction process, would that sort of an eviction be placed on a credit record in the event that the landlord wins? Even if there is not a dispute and both parties agree that the tenant is breaking a term in the lease, but the term has nothing to do with on-time payments (e.g., having a pet when they’re not supposed to), does eviction on these bases result in an adverse credit record?

    • http://www.Credit.com/ Gerri Detweiler

      If the eviction is recorded in the courts and is part of the public record it will likely appear on your credit reports. Keep good records, though, as you may have a basis for disputing it.

  • http://www.Credit.com/ Gerri Detweiler

    Your state should have laws that protect tenants in these situations. Here is a resource for researching state landlord tenant laws.

  • http://www.Credit.com/ Gerri Detweiler

    Is it on your credit reports? That’s the first thing to find out. If so, it can still be disputed though it may be hard to get removed. Have you tried contacting the Legal Aid Society in NY for help with the credit reporting issue?

    • Amy

      I don’t know if it is on their credit reports. I know they got turned down for a pre-approval from one bank for bad credit but got pre-approved from another. But this person has a history of bad credit. I feel like tenants have no rights. Tenants should have a way of screening landlords to make sure the landlords are not slumlords. Not all landlords are that great.

      • http://www.Credit.com/ Gerri Detweiler

        You’re not the first person to make that suggestion!

  • http://www.Credit.com/ Gerri Detweiler

    The screening company, by law, must give you instructions for ordering a free copy of your report from the source they used. Did you get that notification and did you get the report? If not, ask the screening company for the disclosure.

  • http://www.Credit.com/ Gerri Detweiler

    If I understand your question correctly, you terminated your lease early and the landlord has now sent you to collections correct? Unfortunately if you break a lease early that’s always a possibility. Your goal now should be to resolve the account so you can start rebuilding your credit. One collection account alone shouldn’t completely derail your plans to buy a home – it’s the overall credit score a lender looks at. In addition, it’s possible they may agree to remove it if you pay it, but you’ll need to negotiate that and get it in writing. (There is no guarantee, but it’s worth trying.) We wrote about that here: Removing Collection Accounts from Your Credit Reports

  • Chris

    I have recently separated with my girlfriend who shares an apartment with me. She pays nothing and I pay for everything. She is on the lease however. I have left the property, but she is unwilling to leave. How can I approach this? A lawyer told me I may have no choice but to go through the eviction process to separate fully. I have great credit and do not want to mess this up. Any ideas? State of Florida.

    • http://www.credit.com/ Credit.com Credit Experts

      You will do well to seek legal counsel. It’s likely your lease does not specify that you owe the money only as long as you live in the apartment and the relationship continues — and the apartment manager’s main concern is being sure rent is paid. Does the lease allow one of you to give 30 days’ notice? Or does it require the consent of both parties? While we understand you are not married, some of the advice in this post might be useful:
      What Happens to Your Credit When You Get Divorced?

  • http://www.Credit.com/ Gerri Detweiler

    Albert –

    An eviction can only be reported for seven years from the date it occurred. So it sounds like it will come off your credit reports next year.

    • albert

      Thanks for your response, but is not on my credit but my actual record and i was told its there for life… i dont understand..

      • http://www.Credit.com/ Gerri Detweiler

        I don’t know what you mean either by your “actual record.” If you were denied an apartment due to an eviction listed in a consumer report of some kind, by law they must provide you with a written notice explaining where they got that information and give you the opportunity to request a copy.

        Who told you that?

        • http://www.Credit.com/ Gerri Detweiler

          Perhaps you mean there is a judgment on your credit report? Unpaid judgments can be reported indefinitely. If you haven’t already, please get your credit reports from all three bureaus to see what is listed: Here’s how to get your free annual credit reports.

          And please read this article: Help! I Found a Judgment on My Credit Report

          • Alberto

            i have someone working on my credit repairing so we checked and it was not there… but it must be on my record outside of my credit report since this condominium was able to see it.. so as per what you said it will be there permanently until i get to contact the landlord that did this to me then…

          • http://www.Credit.com/ Gerri Detweiler

            Alberto – I am not sure what “it” is. Without knowing what report they were looking at it’s really hard for me to tell. Can you go back to them and ask them what the source for that information was? They may be required by law to tell you that.

  • http://www.Credit.com/ Gerri Detweiler

    File a complaint with the Consumer Financial Protection Bureau or talk with a consumer law attorney. The company that checked your record may have broken the law.

  • http://www.credit.com/ Credit.com Credit Experts

    It shouldn’t, though it could, indirectly, if you didn’t pay rent due and that was sent to a collection agency. A collection would hurt your credit score.

  • shan

    If I am moving out the last month of my lease and. I have a deposit equal to the last month’s rent would they still take you to court?

    • http://www.Credit.com/ Gerri Detweiler

      If your deposit was a security deposit – and not last month’s rent – then not paying your last month’s rent could put you in default. As to what the landlord will do, it’s hard for me to speculate. You may want to research your state landlord tenant laws before you put your credit at risk.

  • Angel21

    If im my account has gone into collections will they garnish my taxes.

    • http://www.credit.com/ Credit.com Credit Experts

      Garnishment happens only after there has been a judgment. (They would have to first sue you and win in court.)

  • Justin

    I am currently a tenant in VA, and I believe that I have legal grounds to have broken my lease agreement, due to a clause that states a lease can be broken if the employer listed on the application transfers the tenant to another job outside of a 50-mile radius. I transferred from one US government agency to another (different agencies, but still within the federal government). I see this as a qualifying reason; the landlord doesn’t see it this way. I have since relocated and stopped paying rent, and the landlord is taking me to court. If the judge rules in favor of the landlord, I understand that a judgment will be issued against me and a collection agency will come after me to pay the rent due. If I pay the past rent within 30 days, would my credit score still be negatively affected? Thank you

    • http://www.Credit.com/ Gerri Detweiler

      Unfortunately, if a judgment is issued and appears on your credit reports it will be negative, even if you pay it off right away. It sounds to me like your best bet – short of hiring an attorney to fight back – is to resolve it before it gets to court. If you do that, make sure you get something in writing stating that they will drop the lawsuit when you pay.

  • Brandy

    What if your landlord never gave you a lease agreement to sign, can he put anything on my credit?

  • Brandy

    If I never signed an lease agreement the will he be able to put anything on my credit record?

    • http://www.Credit.com/ Gerri Detweiler

      It depends. If he takes you to court and gets a judgment that will be reported. But without a signed lease he may not be able to successfully sue you. Similarly if he turns your account over to collections that will affect your credit, but you may be able to dispute it. It really depends on the facts and circumstances.

  • crystal

    I have a old collections account that is almost 7 years old, it was from an apartment that I was a co sign on and we broke the lease. The collection agency had it reported as closed and no report from April 2014. Now they are reporting it again as a open account and as an individual account. What can I do? Will it still come off my credit report in 7 years which will be Oct. 2015?

    • http://www.Credit.com/ Gerri Detweiler

      When did you break the lease? The collection account should be reported for seven years plus 180 days from when you missed the rent payment leading up to it being sent to collections.

  • t

    I am a landlord who has given notice to my tenants and they are waiting for the council to find them somewhere. If I have to get a court order to evict them does it effect their credit rating.

    • http://www.Credit.com/ Gerri Detweiler

      I’m sorry but we don’t know details of how that works in the UK. In the US, a court ordered eviction would affect at least a tenant history report.

  • Emily

    My husband and I tried getting an apartment last month and they denied us because my husband supposedly has an eviction, but its not him, its his dad who has the same exact name, and my husband wasn’t even old enough to rent when the eviction happened. How did the third party get this information mixed up if we submitted my husbands social security, and this eviction doesn’t even appear on his Experian acct.? We are mind boggled.

    • http://www.credit.com/ Credit.com Credit Experts

      Emily —
      Please check your email. We’re trying to reach you to get more information.

  • doyouboo

    I have an eviction on my record from a slum landlord I have taken to court already. I have already gotten my credit report from Trans Union and there isn’t anything on my “Public Records” section and it says “there isn’t any info at this time”.. What does that mean?

    • http://www.Credit.com/ Gerri Detweiler

      I don’t know – I just can’t picture the scenario you are describing on your credit report. Where does it say there isn’t any info? On what tradeline?

  • deidra Murphy

    My mother lost her home and they put on my credit report that I was forcibly evicted even though my name was not on the mortgage and had moved in with my grandparents

    • deidra

      What I want to know is how do I get it off of my credit report and can they do that?

  • moni

    I rent an apartment with 3 other roommates and due to personal reasons I need to leave. Our lease ends in december. Is there any way I can terminate myself from the lease or have someone replace me without it negatively effecting me?

    • http://www.credit.com/ Credit.com Credit Experts

      What does your lease say? You could also try to appeal to your landlord, but if you do that, please be sure you get any agreement in writing.

  • jas87

    If my apartments file for eviction on the 16th but i pay everything in full on the 19th will the fact that an eviction was filed show up on my credit report. Even if i stay in the aparttment and pay my rent for the remainder of the lease

    • http://www.credit.com/ Credit.com Credit Experts

      An eviction won’t show up on your credit report (though it could show up on a tenant screening report). An eviction can indirectly affect your credit if the bill for rent is turned over to a collection agency. Collections DO go on your credit report.

  • http://blog.credit.com/ Kali Geldis

    Hi —

    An eviction may not appear on you credit report, as the original landlord said, but there are still specialized consumer reports that landlords use where the eviction could still be showing up, giving the new landlord/management company a reason to deny you. Ask the new landlord what report they’re looking at. You can get your credit reports at AnnualCreditReport.com, and you can ask your landlord where they got the specialty consumer report they used to deny you the apartment and call that company to get the report or to dispute the eviction’s appearance on your report.

    Hope that helps!

  • Richard Matthew

    I am a landlord in Florida. I had a 8 month lease with tenets that ended Oct 23 2014. I had a seasonal tenet that was supposed to move in Jan 1 2015 On Nov 6th 2014 I gave written notice to be out of house by Dec. 3, 2014. They ignored it. I right away filed for eviction with courts. It draged out till Jan. 28 2015. The tenets refused to give me rent all of that time,. 2 months almost. When we saw the Judge and the Judge asked why you did not pay rent? They said I have cancer and I think I should get free rent. The Judge responded back saying there’s no such thing as free rent. Then the tenets blerted out I cut ultilties. Then Judge said he cut you off water and electric. They answered no, he cut off our wifi. Then the judge said hes not required to give you wifi. Then the Judge ruled he owes me 2 months back rent of 1800 dollars. Then tenets said we cant offered that. Then the Judge said you cant cant offered don’t mater, that’s what you owe. Then Judge gave them 24 hours to vacate. After the Judge ruled that she asked the Judge how dose she proceed of filling stalking charges against me? Judge said go to another court for that. The day of eviction came they moved their things out and drove off. I don’t know where their location they went to file claim. My Question, I do have Judgement on them of me taking the house in possesion, And they put eviction notice on door. Will their eviction show up on the data base of people getting evictions? That’s so future landlords can have the information about their history? I went to county and they said they have records of it only in that county. So if he gose to next county nothing will show up on them?. Dose this agency pick up their record and put it in their data base of information?

    • http://www.Credit.com/ Gerri Detweiler

      Richard – As we mentioned in the article, evictions and judgments are public record items and there are companies that gather this information for consumer reporting agencies. If a future landlord runs a credit and/or background check there is a very good chance it will show up on those reports.

  • http://www.Credit.com/ Gerri Detweiler

    Sandy – I am sorry I don’t understand your question. Why would they send you a letter of satisfaction if you never lived there? Did they tell you which company they used to check your rental history? Have you requested a free copy as entitled to by law? Did you get the copy of your report and dispute the inaccurate conviction? It’s the same process as disputing a credit report.

    A Step-By-Step Guide to Disputing Credit Report Mistakes

  • http://www.Credit.com/ Gerri Detweiler

    It is likely the bank is trying to make sure it follows the law with regard to what they have to do to evict a tenant who was living in the foreclosed home. Have you tried talking with the bank to let them know you have already moved out? If you didn’t have a lease I don’t see how this could affect your credit.

  • MamaB1883

    I rented a home in Indiana as the primary renter and my friend is listed as a secondary renter. Due to unforeseen circumstances I had to move back home (out of state-Illinois) and she and her family have remained in the home and maintained all responsibility as of Jan. 19, 2015. My name has not been removed from the lease yet, and she messaged me today saying that they have now received a summons for court, as thy have fallen behind. Is there any way to prevent myself from being held responsible since I no longer reside there, or will it require legal action?

    • http://www.credit.com/ Credit.com Credit Experts

      MamaB1883 —
      You should seek legal advice. Having your name on the lease is a big problem.

  • Jan

    I am planning to rent a house, but I’m planning of living there only part of the time and the other time my daughter will live there. The problem is she has a past eviction. What are the ramifications if my name is only on the lease?

    • http://www.Credit.com/ Gerri Detweiler

      i am not sure what you mean by ramifications, but you’ll be responsible for the rent plus any damages. You would be wise to make sure the landlord agrees in writing that your daughter can live there. If not, you may be in violation of your lease.

  • Stephanie Dominique Harris

    Hi, my husband and I are renting a home that we signed a year lease with his sister and her boyfriend. They split up and he moved out but then a few months later they got back together and she left too, now there is three months of rent left and one month they have not paid on their end. My husband and I are in the loan process of a mortgage and about to close on a home shortly after the lease is up. Will them not paying their half of the rent affect us being approved for the mortgage?

    • http://www.Credit.com/ Gerri Detweiler

      Yes, if the debt is turned over to a collection agency and appears as a new collection account on your credit reports it may cause problems for your loan – and could even derail it. As a cosigner you are legally responsible for the entire debt unfortunately.

  • Jay

    Hi guys, I’m in a co-lease with one other roommate, she lost her job a few months ago, and we are very behind on rent because of it. I don’t see anyway to avoid an eviction at this point. So I’m wondering what steps I can take to lessen the impact an eviction will have on my life. My plan is to move into a studio apartment I have my eyes on in the summer, and my current job pays 3x the rent of said property; just wondering if that can help out in any way. Any feedback would be greatly appreciated.

  • Matt

    I read here that “Getting evicted from an apartment can make it difficult to find a new place to live and it can affect your credit history, as well, if your landlord obtains an eviction judgment against you in court.”

    If the landlord moves to evict us, and we move out voluntarily within 30 or 60 days, would he/she typically still move forward with obtaining the eviction judgement? I reside in San Francisco. I understand this depends, but curious what you all see occur in practice.

  • Richard Matthew

    I evicted a couple that the Judge decided they owe me 2 months back rent. They left and its imposable to give them a summons when I don’t know their address I talked to the credit bureau and I have to file a judgement in order for their eviction record to show up with their agency. However there are public records landlords go to get background checks on his future tenants. I would like to know if they were recorded on the public records web site. Is there a free or reliable public web site I can go to to find that out.

    • http://www.Credit.com/ Gerri Detweiler

      Evictions are normally reported on the background checks landlord use. I am not sure if you can access their reports at this point, and the last thing you want to do is to create a problem for yourself with impermissible access to their credit information. But if an eviction is in the public record then it should show up when another landlord runs their report.

  • Ashleigh

    Hi there. My husband and I recently got married and before we got married his roommate stopped paying his half of the rent and it caused my husband to get evicted. Now that we are married we want to have a place of our own, but it doesn’t seem possible with an eviction on his credit report. Is there anything we can do?

    • http://www.Credit.com/ Gerri Detweiler

      It could be tough. After a while it won’t be on his credit reports. Can you qualify for the rent yourself? Could you come up with a larger deposit to help the landlord feel more secure?

  • Shade

    I have pulled my credit report and 2 out of the 3 credit bureaus did not show my evictions. My last one is nearing 6 years old. Does it fall off of credit report after a time period?

    • http://www.Credit.com/ Gerri Detweiler

      Most negative information can be reported for seven years.

  • katherine

    I broke a lease 3 years ago but I was never evicted. i had a bill from them and it went to collection im trying to pay the bill but it shows on my credit an eviction when was never one not even a court date?? this is possible how can i fixed??

    • http://www.credit.com/ Credit.com Credit Experts

      Typically evictions themselves do not go on credit reports, but a resulting collection would (whether from an eviction or breaking your lease). What a potential lender would be concerned about is an unpaid debt. As time goes by, collections have less and less impact on your credit scores, and they disappear 7 years and 180 days after the original bill was reported late.

  • Hannah

    How does a leasing agency know if a judgement is for an eviction or a court judgement for a credit card balance? Where does it show on your credit if you have bad payment history with your landlord?

    • http://www.Credit.com/ Gerri Detweiler

      Negative information such as judgments will show up in the public record section of your credit reports. Slow pays on rent typically are not reported however.

  • Robb Le

    I have a situation that is a bit different. I wrote an email on march 8th giving the office 60 notice to vacate from my apartment. they asked me to step in to fill out some paperwork. I didn’t because I work the hours they work and was trying to find some time to be able to get this done. then the manager starts communicating with me via email telling me that she cannot release me from my lease based on the reason I provided because she feels she wasn’t negligent to the lease contract. the reason I gave were: the theft of my motorcycle valued at $5,000, the theft on my next door neighbor’s motorcycle valued at $8,000, my neighbor’s apartment got broken into which is one floor below, some one on the building right next door yelling for help after an argument with someone, a guy high on something banging on the front door in that same building yelling profanity at around 3 or 4 am, there is not a week that the police is not on that property for any given reason.
    As we spoke she invited me to a meeting with her, which I accepted and asked for it to be on Wednesday, she replied to me on Thursday asking for Friday. by then I was back at work so it was impossible for me to attend.
    on Apr. 23rd I set another email reminding them that I was moving out. again she asked me to go and sign some documents. I went on the 27th and signed the paper.
    well it turns out that that paper is the 60 notice not the written noticed they asked for me to give them when I signed my contract, as a result they are asking me to pay one more month.
    How can I defend my self in this situation? I don’t feel like my property, myself and others are safe there.
    Any suggestions would be appreciated.

    • http://www.Credit.com/ Gerri Detweiler

      I would suggest you do some research on state landlord tenant laws. You may need to get your local housing authority’s advice or speak with a consumer law attorney.

  • Gloria

    my eviction was 4 years ago and I currently owe 1000 dollars. it still seems like no one is willing to work with me even though I have made payments. how long is my eviction gonna be on my credit report after I pay it off?

    • http://www.Credit.com/ Gerri Detweiler

      Most negative information can be reported for seven years from the date the negative action took place, not from the date you paid the debt off.

  • Tess K

    I left my husband because of domestic abuse….had no choice any longer. So, now we are being evicted. I do not have the money to pay, much as I wish I could, and my husband can pay but won’t. What will happen with my credit score. We will be going to Court in a few days from now.

    • http://www.Credit.com/ Gerri Detweiler

      I am so sorry to hear what you have been through. Your credit score will take a sever hit but the bigger issue is that they will likely get a judgment and your bank account or any other assets you may have may be at risk. If you can, I’d recommend you talk with a consumer bankruptcy attorney about your options. If you are eligible, help may also be available from Legal Aid.

  • Cameron

    Back in December of 2010 I was not making the best choices in my life. I had an apartment that I ended up just leaving, not paying or anything. It was a joint account that I now have 3000 in collections. It stopped getting reported April 2011.
    Will I be able to get a house after 7 years? I know it falls off the credit report, but will banks still look at it? Credit is really good (well over 700).

    • http://www.Credit.com/ Gerri Detweiler

      It if is not on the credit report then it shouldn’t create an issue. the only thing to be concerned about is being sued for the debt in the meantime. Whether they can successfully sue you would depend on the statute of limitations, and whether you raise them as a defense if they do.

  • Nicole Rush

    I’m trying to rent my own apartment and every time I apply I get denied! I live in a apartment with my mother. Because I was 18 when she moved in and was on the lease they claimed I was responsible for the rent being payed. I was not aware of this until now. My mother never told me when she was struggling with the rent. I was not aware that my mother was late with payments more than once which affected my credit also. I cannot get accepted to any apartments. I have a child now and we need our own place. I cannot stay with my mother forever and I was told that will be on my credit report for atleast 7 years. I called the credit agency and they told me I can try file a dispute. I think he told me if someone from apartment complex wrote a letter stating in some way i wasn’t responsible for the rent and sent it to them there could possible be a dispute. I don’t know what it’s suppose to state. What should I do? Is this possible to be disputed. I feel hopeless. I think it’s unfair.

    • http://www.credit.com/ Credit.com Credit Experts

      Have you seen a copy of the lease? That would be a good first step. Here’s some information on both disputing information on your credit report and renting with bad credit:

      A Step-By-Step Guide to Disputing Credit Report Mistakes

      How to Rent With Bad Credit

      Good luck to you.

      • Peach Candie

        Oh my god, I am having the same problem. Except my mother did it purposely I think.I was not responsible for the rent, the lease management told me so. I signed because I was jobless and it was my 18th birthday and 18 year olds go on the lease. It was agreed she would pay. She then fled the apartment and the lease when I went to summer dorms for class and when I came back there was an eviction already occurred and she failed notified me. She purchased a new apartment to live with her boyfriend weeks before. This was as soon as I turned 18!

        What on earth do I do? I am now 20 looking for an apartment and I am having massive trouble. I hate that I trusted her. I need help!

        • http://www.credit.com/ Credit.com Credit Experts

          Again, you will have to check your lease. When you say “it was agreed,” was the lease management a party to the agreement? You may want to check with your local legal aid society to see what your options are at this point.

  • candace

    I am being evicted because the person I was living with breached the contract. she had a person staying over night without my knowledge. I work early mornings and got to sleep early. the person was unable to provide proof of residence and now we are being kicked out. while this wasn’t my fault I am still held accountable as well. how will this effect me?

    • http://www.Credit.com/ Gerri Detweiler

      If there are any unpaid balances you will be fully responsible and the balance may be turned over to collections. You may also have an eviction on your record if it was filed in the court. Document everything in writing as much as possible.

  • Maria

    So i just recently received an eviction for unpaid late fees. But I’m not talking about weeks of being late but of being late no more than 3 days. Rent is suppose to be in before the 1st of the month which is pretty ridiculous, considering most landlords give u till the 5th of the month. Sometimes the end of the month falls in the middle of the week which makes it kinda hard to get rent in right away when my husband receives his checks on Fridays (end of the week). We have been here for 1 year and 3 months and only been late 4 times. Like i said no more than 3 days. Our last late one was due to an issue my husband had at his job. Money was a little late. And we held back on pur late fees due to horrible management. We always reported any issue with the apartment and management tool WEEKS before coming to fix things. I even filed a complain to corporate but didn’t get far with that. I offered to pay our late fees ($200) $50 evertime you’re late. But the landlord was a total douche about it and told us that once wr have been served with an eviction that was that. And that if I’m not out in 28 days he’s taking me to court. Is there anything at all o can do so that i can fight this the right way?

    • http://www.Credit.com/ Gerri Detweiler

      You’ll need to find out what state landlord tenant laws in your state say about the situation. I’m sorry we can’t be of more help but they vary by state.

  • Jake Lee

    I had a friend (not friend ANYMORE) who was living with me in the condo we rented. This following month will be the last month of our contract but this guy won’t pay the rent for last month. He said he doesn’t care if we get evicted. But I just found out today about he’s no longer in the contract anymore. What should I do ??? Please help.. I am in las vegas nevada.

    • http://www.Credit.com/ Gerri Detweiler

      I don’t know what you mean about this: He said he doesn’t care if we get evicted. But I just found out today about he’s no longer in the contract anymore.”

      But unfortunately if you both signed the lease for this rental, then you are both responsible for the entire balance. If you fail to pay it, you may end up with the debt in collections and there may be additional charges. If you can find a way to pay it, you can protect your credit and avoid additional headaches.

      • Jake Lee

        We both signed the lease when we start. But when I got “5 day notice or quit” letter from the office this week there was only my name on it. Can he call the office and maybe took off his name from our lease agreement?? I can’t afford for whole rental by myself. I have to let it go if my friend doesn’t pay me.

        • http://www.Credit.com/ Gerri Detweiler

          I don’t know if they can take his name off. Usually, though, if you both sign the lease you are both fully responsible for the entire balance. You may need to research state landlord tenant laws.

  • Brianna

    Me and my fiance had rented a apartment but after 4 months of staying in the apartment he had been shipped out for basic. It was hard for me to maintain the bills by myself so had an eviction. I have been paying back the collection agency a little at a time but still getting denied left to right for a new apartment. Do you suggest anything that I can do so that I can move out?

    • http://blog.credit.com/ Kali Geldis

      Hi Brianna —

      You may find this article helpful:

      http://blog.credit.com/2014/01/how-to-rent-with-bad-credit-73745/

      In that article, we run through some of the options you can suggest to a potential landlord when applying for a new apartment. Being honest and upfront about the mark on your credit can be really helpful as well, since it shows a rental company / landlord that you know you’re not an “ideal” tenant, but are willing to work with them. Hope that helps!

  • Deidre

    My lease is up 7-31. And my apartment has went under new ownership since I signed my lease and now I have to reapply for the apartment but I know I want me requirements cause my credit statuses has change what can I do ?

    • http://www.credit.com/ Credit.com Credit Experts

      Deidre —

      Have you spoken with the new owners? If you have paid on time faithfully, you may be anticipating a problem you won’t have. A reliable, paying tenant may be seen as a much better bet than a vacant apartment that is producing no revenue. We’ve also written about the issue of finding a place when your credit is bad: How to Rent With Bad Credit. Good luck to you.

  • Andrew

    I was renting a home that went into foreclosure. I tried to purchase it from the auction by Bank of America outbid me. Since then, they sold the property to Fannie Mae and I have been negotiating with them to try and purchase the home. Needless to say, Fannie Mae is not the easiest organization to deal with and they decided to no longer negotiate with me and have sent me a notice that I have 30 days to vacate or they will file for eviction.

    Here’s my question – at this point, I want to drag this out as long as possible (without hurting my credit) to give me more time to find a new house to purchase and close on so I don’t have to move twice.

    They are going to file for eviction on July 10th. I have been told that i will have 20 days to respond and I am thinking about contesting it… which I will eventually lose.

    Any advice on how far I can drag it out before having something hurt my credit score?

  • Steve Dagati

    I’m currently on a lease where I no longer reside. When I was added to the lease I had to have all the lease holders to sign, unfortunately I didn’t get every signature but the establishment somehow put me onto it. Now I’m facing issues from the remaining lease holder still living there and there’s damage to the downstairs neighbors place. When I went into speak to the office about the lease they are saying that they got all the lease holders to sign and I’m still responsible, adied im confused on who was or wasn’t on this lease. I’m concerned about my credit and am need of advice.

    • http://www.Credit.com/ Gerri Detweiler

      Did you sign the lease? If you did, then in most situations that makes you fully responsible for the debt. I’d suggest you research state landlord tenant laws in your state. You may be able to get help from Legal Aid if needed.

  • mzVee

    I am renting an illegal structure and received a 3day notice to pay or quit, can an eviction be put on my record for one month behind because i withheld rent while looking for another place? Even if it was not from an actual business or rental place?

    • http://www.Credit.com/ Gerri Detweiler

      I assume if they file an eviction with the court then it could affect your credit. But for more specific information I’d encourage you to talk with an attorney.

  • Jeffrey Perry

    I was not evicted and I did not sign a lease and now my old landlord is threatening to ruin my credit..is that possible ..

    • http://www.Credit.com/ Gerri Detweiler

      As much as I’d like to help you’ll need to research state landlord tenant laws to find out whether he can hold still hold you responsible for whatever it is he says you didn’t pay without a written lease. You could also look into whether Legal Aid can help you.

      • Jeffrey Perry

        I have in a text from her stating I didn’t owe anything at all ..she kept my deposit even tho there was no damages

        • http://www.Credit.com/ Gerri Detweiler

          The only way she can ruin your credit is to turn a balance over to a collection agency. She can’t report anything directly to the credit reporting agencies herself. If there is no balance (and it sounds like you have proof there wasn’t) then you would be well within your right to dispute it if she turns it over to collections. If it ends up on your credit reports you may also have a case for credit damage.

          • Jeffrey Perry

            No mam we told her we was moving on the 10 we were put by the 12 we were paid up til the first of the following month..we didn’t sign a lease we didn’t damage anything we have the reciepts showing we weren’t behind and paid up..she just wrote us on fb threshing to ruin my credit for moving out..and I have all of the statements showing on my fb messenger where she knows I wasn’t behind on bills..

          • http://www.Credit.com/ Gerri Detweiler

            Keep copies of all your proof. Hopefully she’ll back down when she understands you know your rights.

          • Jeffrey Perry

            Ty..ya I looked up the page u sent and I am so in the right

          • http://www.Credit.com/ Gerri Detweiler

            You’re welcome!

  • Kelsey

    I am 21 and I live with my mom in a rental apartment. We have lived in this apartment for the past 5 years, so once I turned 18 the leasing office required me to start signing the lease. The apartments are income sensitive, and I know my mom does get living assistance through the state as well. I just found out two days ago that we are up for eviction because my mother has failed to pay the rent for May and June. She didn’t tell me about the eviction and with held my mail from me stating that we were BOTH had to report to court for the eviction. Again, I had no knowledge of this matter because she kept my mail from the courts from me ( I guess to hide the fact that she hasn’t paid the rent and that we were being evicted) and she had made it seem like the rent was being paid. I am on maternity leave with no benefits so I have no income and before I went on maternity leave I was helping her meet her portion of the rent. When we went to court on Tuesday the Judge ruled that the case had been dismissed but our leasing office informed me that it was a mistake on behalf of the attorney who represents our apartments, so they reset the date for court to the 21st of July…My mother has decided to give up the apartment and not pay. My question is how will this affect me? Will my credit and rental opportunities suffer from this even though I am not the person who initially signed the lease but was just an occupant? Is there anything I can or should argue in the courts to help me out? I am most worried about my credit suffering and not being able to rent an apartment on my own in the future, even though none of this is honestly my fault? I am just trying to make sure that since I will have to find other living arrangements for my baby and I, that I will be able to apply for an apartment, car, etc. The manager in the leasing office did tell me that it is a public record and she also suggested that I tell the judge that I was unaware of the situation because my mother withheld information from me. I am in Houston, Texas.

    • http://www.Credit.com/ Gerri Detweiler

      Kelsey – I am sorry to hear the difficulty you are going through. Please contact the
      Texas Consumer Complaint Center immediately for assistance. They should be able to advise you. I hope that helps!

      • Kelsey

        Thank you so much!

  • Vaughn

    I have a friend that entered a lease with her brother on a condo in Chicago, IL. Her brother is unruly. He threatened to break all the windows in her car and broke her door one night because she didn’t allow his dog in her room while he was out drinking at the bar. He’s made her life extremely difficult yet she is the one that put the $2300 deposit down (which she might lose out on because his dog is peeing all over the condo and scratching the doors). He’s nearly 40 and she doesn’t want to put up with it anymore. She desperately would like to get out of the lease; however, when she tried to contact the landlord and discuss renting the place out to someone else stating that they would stay until they found someone else to move in, the landlord keeps ignoring her. She won’t respond and hasn’t called her or anything. Also, when she brought it up to her brother, he refused to leave the condo. He won’t agree to break the lease and refuses to move out. She is considering buying a place, moving out, and just stop paying her portion of the rent. What are the potential legal issues with this and are there any other ways in which she can legally break the lease? She currently has great credit and isn’t too worried about it going down some as most of the items she would need good credit for (house and car) she’d already own. Granted, we might just be looking at the surface which isn’t deep enough. How badly could abandoning the condo affect her score?

    • http://www.Credit.com/ Gerri Detweiler

      I’m sorry to hear what she’s going through. I’d love to help but this is complicated and I would urge her to talk with an attorney. My concern is that if she will likely continue to be responsible for the lease while her brother remains–plus damages, and eviction charges eventually. It could get very expensive for her. (However, if she can afford to buy a place she may want to do that before this ruins her credit scores–which it may.) Here’s a link to
      state landlord tenant laws.

      • Vaughn

        Thank you! I appreciate the advice and the link.

        • http://www.Credit.com/ Gerri Detweiler

          You’re welcome.

  • Noel

    I had a situation with my prior landland. I had to call cide enforcement to have major things repaired. I was served an eviction I went to court we settled with an amount. I haven’t beginning paying it because I haven’t had the money. Will this apoear or my credit as a property debt or eviction?

    • http://www.Credit.com/ Gerri Detweiler

      It’s hard to say precisely what will appear but if there is a civil judgment that will likely be reported and remain for seven years. Evictions aren’t usually listed on standard credit reports but they can appear on tenant screening reports landlords get.

  • Concerned Business Owner

    I had a business that fell apart with 2 other partners. I was the only one who guaranteed the lease for the office since I have perfect credit. Once the business failed we couldn’t continue to pay the rent for the office. The lease is under the business name, but I personally guaranteed the rent payments. If we get evicted, how will this affect me as the sole guarantor?

  • rudy

    I am about to pay off my eviction to the collection agency , when I do will my credit score go up? and will I be able to rent an apartment again?

  • AM

    My parents have allowed me to reside in one of their extra homes 12 years free of charge. However, recently we had a disagreement and gave me 30-days to vacate. I am aware that they could evict me – my question is how long do I legally have before I should be out completely? Thank you

    • http://www.Credit.com/ Gerri Detweiler

      You’ll need to check state landlord tenant laws in your state. We’re sorry we don’t have specific information for each jurisdiction.

  • Melissa Rodriguez

    I had an apartment 7 years ago that the damages where never paid. I couldn’t get the roommates to agree to split it when they did all the damages like punching walls, breaking screen doors etc. credit monitoring stated it was just taken off my credit score so my question is will I be able to get an apartment if I didn’t pay the collection agency?

    • http://www.Credit.com/ Gerri Detweiler

      If it is not showing up on your credit reports anymore than it’s not likely to affect your ability to get another place. It’s possible it could show up on a specialty tenant report but if so, you can dispute it as it sounds like it is too old to be reported. Please read:
      The 7 Biggest Questions About Debt Collections & Your Credit

  • Sheaneta Marshall

    how far back can a landlord look into your credit report and if filed under bankruptcy and discharged can they use that as apart of the report in Chicago

    • http://www.Credit.com/ Gerri Detweiler

      Bankruptcies may be reported for ten years.

      • Sheaneta Marshall

        my was for 7years it show that it was remove this year and is not showing on my report or in the system. so how far can they look in your background

        • http://www.Credit.com/ Gerri Detweiler

          I assume it was a Chapter 13 then? They are removed after 7 years. If that’s the case and it’s not on your credit reports then you shouldn’t worry about it at this point.

      • Sheaneta Marshall

        my schedule o ‘re went down and now they are back at a 700 and I have rented under good standards for 8 years

      • Sheaneta Marshall

        typo credit score

  • Nicole Conley

    I have a judgment from an apartment I shared with 3 people 6 years ago the original amount was $1621. I called the lawyers office in the court records and they said I have to pay $5000 in full to settle it.

  • Tired and Digusted

    My wife signed a lease with a landlord 4 years ago and the leasing agent made me initial as an occupant. The renewal lease I did not sign anything. She did not draw another lease since 2012. I have not signed anything. We got evicted in June of this year and every time I apply to rent a home the eviction shows up even though I am not tied to the lease whatsoever. What can I do to get this off public record for me.

    • http://www.Credit.com/ Gerri Detweiler

      You’ll need to consult with a consumer law attorney to find out whether that’s possible. It’s now a matter of public record and it’s not so simple to change that. I’m also not sure if the you were living there when the eviction occurred doesn’t mean you were party to the eviction even if you didn’t sign the lease. You’ll need to ask the attorney to clarify it for you.

  • namaly

    I get unemployment right now. But recently they stopped it because i went to school for two weeks in may. Which i appealed and already talked to a judge. I asked the county for help (emergency assistance) and i qualify as long as the judge activates my unemployment back. ( which i am sure will happen) due to all of this i was late on rent and now have an eviction notice. I go to court on the 30th of July. I am also going to try and get it exspounged. My lease is up August 31st. How will this effect being qualified for a new place. I have two kids and this small set back really worries me.

    • http://www.credit.com/ Credit.com Credit Experts

      As long as it does not get sent to a debt collector, it should not affect your credit. However, some landlords buy specialty reports that are designed for renters. That kind of report could potentially contain information about eviction. Still, it is possible to rent even without good credit. You can read more here:
      How to Rent With Bad Credit

  • clare

    I was on a lease with my ex boyfriend and I was the co head of house hold I had no job when we signed the lease an we were evicted for non payment of rent and now I am receiving letters from a collection agency will I have an eviction on my name also? The apartment was in his name though and when ever they sent us letters it said his name an all other occupants but now I’m getting collection debts in my name.

    • http://www.Credit.com/ Gerri Detweiler

      When you co sign a lease, you agree to be fully responsible and the collector can try to collect from you. In addition, if there is an eviction it will be against both of you. (It only makes sense – they can’t evict one of you not on the lease and not evict the other, unless you made arrangements to pay and stay.)

      You may want to familiarize yourself with
      state landlord tenant laws and your debt collection rights. Top 10 Debt Collection Rights for Consumers

  • Daven Burns

    If I’m in my last month of payments and already have another place to stay how bad will it affect my credit if I don’t pay my last rent and I been paying on time for over a year and the thing is I’m only going to be there for six days out the last month need help and answers

    • http://www.credit.com/ Credit.com Credit Experts

      Daven —
      It could have a big negative effect if the account is sent to collections and is reported as a collection. While rent is generally not reported, collections are. (And if you are sued, a collection can result in a judgment [an even bigger blemish on your credit], and that can lead to having your wages garnished.)


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