Sep
12
2012

Eviction is not shown on a credit report

Dear Experian,

How long does it take for an eviction to show up on your credit report?

- PHF

 

Dear PHF,

Your credit report will not indicate that you have been evicted from a property.

However, your credit report may include a collection account for unpaid rent or lease payments, or possibly a civil judgment if you were sued for breaking the lease. There is no set time frame for these items to first appear on your credit report.

Collection accounts are deleted seven years from the original delinquency date of the debt. Public records are deleted seven years from the filing date.

Even if there is no indication of the debt on your credit reports, landlords and property management companies typically conduct a review through a tenant screening or background investigative service that will provide them with eviction information.

So, it is likely the eviction will have some impact the next time you look for an apartment, even if it isn’t in your credit report.

Thanks for asking.

- The “Ask Experian” team

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