Credit Advice » Home » Rentals » Landlords Can Report Unpaid Rent to Experian

Landlords Can Report Unpaid Rent to Experian

Dear Experian,

Does a landlord have to have a judgment against a former tenant in order for the debt to be reported? Can a collection agency report a debt without obtaining a judgment?


Dear WLW,

A landlord does not need to have a judgment against a former tenant in order for a debt to be reported to the individual’s credit file.

The landlord may choose to sell the debt to a collection agency. If the collection agency reports to Experian, or any one of the credit reporting companies, the debt will then appear on one or more of individual’s credit reports.

If a civil lawsuit was filed against the former tenant, by either the landlord or the collection agency, the monetary judgment would appear on the report as well.

A civil judgment would be reported under public record information and would be a separate entry on the credit report.

Thanks for asking.
The “Ask Experian” team

Review Your Free Experian Credit Report Today

Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

Get Started for Free

Survey Results: Americans’ Financial Outlook

How will the outcome of the 2016 presidential election affect the economy and the financial well-being of individual Americans? Although long-range uncertainty remains, a new survey by Experian indicates...

Ask Experian for Advice

Your privacy and the information collected here.