I was evicted almost seven years ago, and at one point I saw the money owed on my credit report in collections. Now, I don’t see it. I know it was there at one time. Do you think this means the eviction is gone also from rental history? How long does it take for an eviction to come off my record?
Collection accounts remain on your credit report for up to seven years from the original delinquency date, or the date of the first late payment that led up to the collection status. If you have obtained a recent copy of your credit report and the collection account is not appearing, it may simply have been removed due to its age. However, this does not necessarily indicate whether the eviction is still appearing on your rental history report.
While positive rental payment history may be included in your Experian credit report, your report will not show eviction information. Eviction records can be found in a separate rental history report, which can be obtained through a tenant screening company or through Experian RentBureau.
If you had an unpaid debt following your eviction, your landlord or leasing company could have sold that debt to a collection agency. If the collection agency that purchased the debt reports to Experian, the account would then appear on your credit report as a collection account.
How Long Does an Eviction Stay on Your Record?
Generally, an eviction report will remain part of your rental history for seven years. If you are in the process of applying for a lease, ask the landlord or leasing company to tell you the name of the tenant screening company they use. Contact the company in advance to find out whether the eviction is still appearing. You can also request a copy of your Experian RentBureau report by mail or by calling 877-704-4519.
The “Ask Experian” Team