Judgment for eviction could appear on your credit report

Dear Experian,

I want to know if your landlord put you in court for unpaid rent and you got evicted but he did not do a credit check when you moved in would it be on your credit report?



Dear URR,

Reviewing your credit report when you applied for a lease has nothing to do with being evicted from the apartment for non-payment of your rent.

If the landlord reviewed your credit report when evaluating your rental application, an inquiry would appear in your report, assuming it was less than two years ago. Inquiries are deleted after two years.

The lender presumably filed suit against you in a court for unpaid rent and violation of the rental agreement. If he won a judgment for the amount owed, the debt will appear on your credit report as a public record, which will remain on our report for seven years from the filing date.

A derogatory public record could affect your ability to qualify for a new rental agreement if they new landlord checks your credit history.

You should also be aware that many landlords check with tenant screening companies instead of, or in addition to, a credit report.  Tenant reports will almost certainly have a record of the eviction and cause new landlords to be reluctant to do business with you.

Thanks for asking.

- The “Ask Experian” team

Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.