When a person does not
pay their rent, that person can be evicted by the landlord from their rental
unit. If this happens to you an eviction notice will stay on your credit record
for seven years. Even if, the eviction is legally done, evictions cannot be
removed from your credit report before the designated seven years, you can
dispute to remove any errors but not the eviction. Let’s take a look at some of
the tips and things you should do if you have ever been evicted and do not want
this to happen to you.
Tips to Removing Eviction from Your Credit Report
v Argue an
eviction fast, if you know that you have not been fairly treated. Gather
together all and any documentation and evidence to the reasons for not paying
the rent, such as substandard living area, or other reasons as to it being
wrongfully done.
v Seek legal
advice, of an attorney or other local legal service organization.
v Go negotiate and
talk with the landlord or abide by the 3-day eviction notice time frame to
reframe from any other problems and to avoid problems on your credit-rental report.
v Try your best to
get all rental court cases dismissed, and if you win your case, make sure there
will be nothing added or shown on your credit report.
v Get a copy of
your credit report, review it carefully. Usually at even at the start of an
eviction there could be an entry placed on your credit report. Check your
credit report thoroughly to make sure that this does or has not happened.
v Ask for
assistance from a credit repair company, just to make sure that it will not
appear on your credit report or have future problems renting. Credit
restoration service will be able to make a more in-depth check to finding any
problem entries that could hurt you applying elsewhere as a tenant.
v If you do find
that you have an eviction on your credit report they will remain for a period
of 7 years, there is no way to remove them during this time frame, you can only
try to dispute them if you have enough proof and know that the eviction was
improper.
v Dispute any and
all errors so that they get removed. If there are any listings that show an
eviction proceeding that was never taken forward or ones you won, you have to
dispute them. Send in to credit bureau reporting any error and all copies of
documentation to support your proof for the error, and make sure to send by
certified mail. Also included a cover letter describing the error and asking
for removal. The Credit Bureau must investigate the dispute and send a copy to
the party that provided the information. If no proof of accuracy to the entry
can be obtained it will be sent to other credit bureau agencies to also remove
the error, so that it is corrected on your credit report. They will send you a
copy of the correction, and an updated copy of your credit report showing any
errors that have been removed.
Investigate
your credit report not only for eviction entries but for all items that are
incorrect, and correct them as necessary. Just remember, your credit report is
what is able to get you that new house or new car or that new credit card that
you have been waiting. Keep it safe and take care of it.
If you're in trouble and facing eviction, you can prolong your eviction or stop your eviction fast. Download “How to Stop an Eviction” today to stop your eviction now.
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