My daughter's report is showing she had a broken lease in November. However, she just moved out in July. How can she correct this?
Experian credit reports do not show broken leases or evictions. That type of information is typically reported by a tenant screening company as part of a tenant screening report. A credit report may be included with that report, but information from other sources is also included, so that might be a source of confusion.
If there is a past due debt owed as a result of a broken lease, the landlord or property management company could sell the account to a collection agency, file a judgment against you in court, or both. If so, the collection account and the judgment may appear on the credit report. Collection accounts remain on the report seven years from the original delinquency date, and judgments remain on the report for seven years from the filing date.
If your daughter saw this information on a tenant screening report, and the information is inaccurate, she should contact the tenant screening company to inquire as to how to go about correcting it.
If the item she saw was a collection account or judgment appearing on her Experian credit report, she can dispute the information. It is also a good idea to contact her former landlord or property management company directly for assistance in resolving the issue. For more information about disputing, see How to Dispute Credit Report Information.
Thanks for asking.
The "Ask Experian" team