An eviction will stay on your credit report for seven years, starting on the date your landlord reports your rent as late to the credit bureaus by sending the debt to collections. When this happens, your debt is registered as a collection account on your credit report, and there’s nothing you can do to remove it prior to the seven-year mark – even if you pay what you owe.
You can get an eviction off your credit report by waiting until 7 years have passed, at which point it will fall off naturally. If more than 7 years have passed, you can file a dispute to have the eviction removed.
Bear in mind that evictions do not appear on your credit report directly, but only after your landlord sends your debt to a collection agency. Once your debt has been reported to the credit bureaus, it stays there for 7 years, whether or not the debt is paid.… read full answer
It's possible that a credit repair company may try to convince you to attempt to get rid of your eviction through a concept called pay-for-delete. But this should be avoided, as it is often a scam that will cost you money without much of a result (if any).
Instead, try to pay off your past-due balance and then request that your landlord update the status on your account to “paid.” The collection account may still be on your credit report, but the “paid” status will look a lot better to creditors.
No, you cannot rent an apartment since you have an eviction which is still on your credit report. Apartments are 100% of the time very strict on not allowing anyone to rent with an eviction on their record. But I have "good news": you can still find someone who will rent to you even though you have an eviction on your record. Try finding a house, duplex, town home, Etc. that's for rent by the homeowner personally. Stay away from any rentals that are being handled by a realtor! You will just be wasting your money on application fees to be denied due to your eviction. All rentals that have a realtor management firm handling rentals will just take who ever turns in an application and will always take who ever has the highest credit score and then your out the application fee. If you look for rentals that are being handled by the owner himself, renting whatever rental you choose to apply for. Also you have a very high chance of the owner deciding to rent to you even with an eviction on your record. Some owners/landlords are very understanding if you explain your situation and are honest with them about why you got the eviction in the first place. It's okay to sob up your story a little bit when you're telling them why you got the eviction in the first place because there is no way that they can find out. Be patient though because not all owners/landlords will rent to people with evictions on there credit report. So best thing to do is look around and call places for rent and ask to see the place. Once you're there with the landlord explain your situation and ask the owner/landlord if they would be willing to rent to you. This way you know if you even stand a chance of them renting to you before you waste your money by paying/turning in an application fee. No matter what, don't give up I know for a fact that there is an owner/landlord willing to give you a chance by renting to you. I hope this Information helps you and I wish you all the best of luck!… read full answer
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.