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Evictions

Evictions Easily Explained

The legal process by which a landlord removes a tenant from a rental property due to a breach of lease

Eviction is a legal process by which a landlord removes a tenant from a rental property due to a breach of lease terms, non-payment of rent, or other legally permissible reasons. The procedure typically involves serving notice, filing a lawsuit, obtaining a court order, and if necessary, involving law enforcement to physically remove the tenant from the premises.


 Evictions can appear in public records, and these records can be accessed by landlords or property managers during rental background checks. Public records can include judgments or civil suits related to the eviction.


An eviction itself does not appear on your credit report. However, if an eviction is associated with unpaid rent or damages that were sent to a collection agency, that collection account will appear on your credit report and can negatively impact your credit score.


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Role of Credit Repair in Removing Evictions:

  1. Disputing Errors: If the eviction-related information on your credit report is inaccurate, incomplete, or unverifiable, a credit repair company can help you dispute these items. This involves contacting the credit bureaus to challenge the accuracy of the reported information.

  2. Debt Settlement: If you have debt from a previous eviction there are several debt settlement and negotiation tactics you can employ against the collection agency or landlord to solve the debt. Once the debt is settled, they can request that the collection account is removed from your credit report.

  3. Verification Process: The Fair Credit Reporting Act (FCRA) requires that all information on your credit report be verifiable. If the creditor or collection agency cannot verify the debt, the credit reporting agencies are required to remove it.


Limitations:

If the eviction-related information is accurate and verifiable, it is unlikely that a credit repair company can remove it from your credit report. Accurate negative information can remain on your credit report for up to seven years from the date of the first delinquency.


In addition, removing eviction records from public databases is challenging. Public records are maintained by courts and other governmental entities and are not directly linked to credit reporting agencies.


While credit repair companies can assist in disputing inaccuracies and negotiating settlements, they cannot remove accurate and verifiable eviction-related information from your credit report. It’s essential to understand your rights under the Fair Credit Reporting Act and to take proactive steps to address any negative items on your credit report. If you choose to work with a credit repair company, ensure they are reputable and transparent about what they can and cannot do.


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