How do you get an eviction off your credit?


Quick Answer

According to Experian, an eviction from a residence does not appear on a credit report; however, a credit report can reflect a collection account due to unpaid rent or payments on a lease. A civil judgement may also be present if the tenant was sued for breaking his lease.

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Full Answer

Experian states that if a person is sued, a civil judgement is a public record and appears on his credit report for seven years from the date the judgement is filed. A civil judgement on a credit report is deemed negative and could impact the person's ability to enter into a new lease agreement. If he files bankruptcy and includes the civil judgement in the bankruptcy, the judgement is dropped from the credit report when the bankruptcy is discharged. If the judgement was included in a Chapter 7 bankruptcy, this item remains on a credit report for ten years from the filing date. Credit reporting does not take into account the discharge date in this case.

According to Experian, collection accounts included in a bankruptcy are discharged, but update on the credit report to reflect discharge due to inclusion in a bankruptcy. This account remains on a credit report for seven years.

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