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How to Get an Eviction Removed from Your Credit Report

10 min read

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Getting an eviction on your record can prevent you from finding a new place to rent again. However, with a little of our assistance and effort, it can be possible to have this record erased. It can prevent the intimidation you face when you’re looking to move. Before looking for a new home, why has the eviction been erased from your record? Doing so can help you correct any inaccuracies and enhance your rental history. 

How To Find Out If You Have An Eviction On Record   

A property manager carries out eviction to remove a tenant from their home. It can create a public record of the action and be visible by checking on the client’s credit and tenant screening reports. 

Regardless of the reason for your eviction, your record will appear on background checks and tenant screening reports. If you want to get a copy of your report, you can contact a screening agency. Before you start looking for an apartment, ask the property manager about the screening acency they use so that you can also contact them. 

Contrary to popular belief, your credit report differs from a tenant screening report. It is a record of your past payments and debts, which credit agencies collect. If you were recently evicted for non-payment of your rent or fees and still have an outstanding balance, the property manager can turn your debts over to a collection agency. 

Your credit report will likely show collections activity within 30 to 60 days. Every person can request a free credit report from any of the three major agencies once after every 12 months. You are also encouraged to regularly check your credit report to keep track of your financial activities. 

Suppose a property manager has rejected you due to an adverse action in your credit report or tenant screening report. In that case, you have a right to ask them to provide you with the contact information of the reporting agency. It is because the Fair Credit Reporting Act provides people with a free report if they have been denied due to something that appears on a company’s report. 

How To Get An Eviction Off Your Record In 3 Steps  

Pay (Or Settle) Your Rental Debts  

If you have outstanding debts related to your eviction, you should pay them as soon as possible. If you can’t afford to settle the entire amount, you can try negotiating with the collection agency or property manager. They can help you settle the debt for a lower amount or devise a payment plan for you. 

Ask To Have Collections Removed From Your Credit Report.  

Even after you have paid off a debt, it’s still possible for the collection activity to remain on your credit report. Contact the property manager or collection agency to remove the collection from your record and ask them to remove it. This agreement should be in writing and will help file a dispute with your credit bureau if the collection isn’t removed. Here’s the guide to removing public records from your credit repair.

Make negative Actions Have Been Removed. 

After completing the steps to remove eviction from your record, you should confirm that the items related to the incident have been removed from your tenant screening and credit reports. If there are any inaccuracies, you can dispute these by contacting the credit or tenant-screening agencies. 

How To Dispute An Eviction On A Credit Report? 

Send a Dispute Letter to Request Reinvestigation  

Although an eviction will never appear on your credit report, it can happen if the landlord files a collection account for your debt. This account, associated with your debt, would be registered on your credit report. If you believe that certain items, such as a debt related to eviction, aren’t supposed to appear on your credit report, you can dispute them. You’ll have to provide evidence to the credit bureau and explain the error(s). 

You can start by disputing the collection account by contacting the credit bureau that issued the report. You can do so by going to their website, calling them, or sending them a mail. Make sure that you provide the necessary documentation. For instance, your bank and credit card statements could show that you paid the rent on time. 

According to the Fair Credit Reporting Act, credit agencies must respond to disputes within thirty days of receiving them. They can remove or alter the collection account from your report if they agree with your argument. If they don’t, they’ll explain why the changes were not reflected in your report. 

Get a Consultation from a Credit Repair Company  

You can visit our offices or call us anytime for consultations on how to dispute an eviction on the credit report. Our able team of experts will see that you receive the necessary assistance. Imax Credit Repair Firm is well experienced in dealing with such situations. 

How Long Do Evictions Stay On Your Record?   

You can keep your judgments and evictions on your record for up to seven years after they were removed from your credit reports. These records can still appear in tenant screening and background checks. 

How Does an Eviction Affect My Credit?  

Although an eviction won’t directly affect your credit score, it can still appear on your report. For instance, if the landlord files a lawsuit against you for violating your lease agreement, your credit report may show this information. 

If you’re looking for a new apartment, your landlord will most likely check your application using one of the rental reporting companies. These companies will then provide you with a separate rent history report, which doesn’t appear on your credit report. 

If the landlord hires a collection agency to collect your rent debt, this can affect your credit score. The agency will likely open an account with the credit reporting agencies, and the debt entry will lower your score unless you agree to settle the debt. 

How Can I Fix My Credit After Being Evicted? 

You can effectively mend your credit score by paying back the debts incurred and progressively preventing the accumulation of more debt. Doing so will effectively fix your credit after being evicted. Clear with the credit bureau after clearing a previously unsettled debt. 

Do evictions show up on Credit Karma?  

If you’ve got an eviction, your credit reports won’t show the judgment or removal process. However, potential consequences could still affect your score or even appear on your credit report. 


To avoid eviction, you should be proactive and work with your property manager. However, if you’re already going through this type of stressful situation, then learning how to get your record cleared can be beneficial. It will take some effort to get it done, but eventually, you’ll be able to find a suitable home.


Ali Zane – CEO & Founder Speaker

Ali is a credit repair advocate with nearly 20 years of experience providing his clients with high-level access to resources that resolve their credit problems. Ali became involved in the credit repair industry following his concern for a lack of ethical and effective credit repair services for consumers and mortgage lending professionals. He has written extensively on credit/finance and is a sought-after public speaker.

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