What is an Eviction & How Does It Affect Your Credit?

What Is an Eviction and How Does It Impact You?

Landlords remove tenants legally through eviction when tenants fail to pay rent, break the lease, or damage property.
Although credit reports don’t list evictions directly, they still affect your finances.
Tenant screening reports and unpaid rent collections often reflect eviction activity.

How Evictions Affect Credit and Rental History

Evictions influence both your public and rental records in the following ways:

Court-Ordered Evictions (Unlawful Detainer): Courts record these cases publicly, making the eviction visible.
Unpaid Rent Sent to Collections: If you owe your landlord, the unpaid balance may show up as a collection account.
Tenant Screening Reports: Rental history databases store eviction data for up to 7 years, limiting your chances of getting approved for new housing.

As a result, evictions can continue to impact your rental prospects for years.

How an Eviction Impacts Credit Scores and Rental Approval

Evictions often lead to serious financial and housing consequences:

Lower Credit Score: When landlords send unpaid rent to collections, your credit score may drop by 50 to 150 points.
Rental Denials: Landlords often reject rental applications if they find an eviction record.
Higher Security Deposits: Even with approval, you might have to pay more upfront.
Security Clearance Issues: Unpaid eviction-related debt can affect job eligibility in government or military roles.

Since evictions can linger for 7 years, removing them early helps secure better housing and rebuild financial stability.

How to Remove an Eviction from Your Credit and Rental History

Several legal and practical strategies can help you remove or reduce the impact of an eviction.

1. Dispute an Inaccurate or Unverifiable Eviction

You can challenge inaccurate eviction entries under the Fair Credit Reporting Act (FCRA). Dispute records that are:

Incorrect: They show the wrong name, address, or case details
Outdated: Evictions older than 7 years must no longer appear
Unverifiable: If landlords or courts can’t verify the eviction, you have the right to remove it

Take these steps:

Request your free credit report from AnnualCreditReport.com
Obtain your tenant screening report from CoreLogic, LexisNexis, or Experian RentBureau
Look for any inaccurate or outdated eviction entries
Send written dispute letters to both credit bureaus and tenant screening agencies
Demand removal of unverifiable entries in compliance with federal law

Because many records lack proper documentation, successful disputes are common.

2. Expunge Court-Ordered Evictions

You may clear your public record if a court ruled against you:

File a motion for expungement in the court where the eviction occurred
Present evidence proving the eviction was incorrect, resolved, or unfair
Convince the judge, and the court will erase the eviction from your public history

Once you succeed, that eviction disappears from future background checks.

3. Negotiate with Your Landlord

You can often settle with your landlord to clear the record:

Offer to pay what you owe in full or in part
Request a written agreement confirming eviction removal in exchange for payment
Ask the landlord to update the status with both credit and tenant reporting agencies

Since many landlords prefer to recover their money, they may agree to remove the record.

4. Dispute Collection Accounts from Evictions

When collection agencies handle unpaid eviction balances, you still have rights:

Send a debt validation letter to the agency
If they fail to verify the debt, ask them to delete it
Offer a pay-for-delete deal if they verify the balance

Because eviction collections often lack proper records, you may have a strong case for removal.

5. Wait for the Eviction to Expire

Sometimes, patience is your best option:

After 7 years, eviction records automatically drop off your public and tenant screening reports
With time, older evictions lose their influence on landlords

Even though waiting may feel frustrating, it ensures a clean record in the long run.

How Long Do Evictions Stay on Record?

Eviction Type	Time in Public Records	Time on Credit Report
Court-Ordered Eviction	7 years (unless expunged)	Doesn’t appear directly but influences rental approval
Unpaid Rent Collection	N/A	7 years from the date of delinquency
Settled Eviction Debt	7 years, but less harmful	Looks better to future landlords

Once you expunge or dispute the eviction successfully, it won’t appear in screenings or reports.

How Credit1Solutions.com Removes Evictions Faster

Credit1Solutions.com offers full support to help you remove eviction records:

We dispute inaccurate eviction data using FCRA and FDCPA laws
We help file motions to expunge court-ordered evictions
We contact landlords to negotiate settlements and request removal
We work with tenant screening agencies to clear your rental history

Instead of waiting 7 years, we help you act now and reclaim your rental freedom.

Client Testimonials

Jessica P., Home Seeker
“A past eviction stopped me from getting an apartment. Credit1Solutions.com removed it, and I finally moved into my new place!”

David R., Military Personnel
“I needed to clear an eviction to pass a security check. Credit1Solutions.com took care of everything and cleaned up my record!”

Mark J., Small Business Owner
“They helped me fix an eviction that was wrongly reported. Now, landlords are approving my rental applications again!”

Frequently Asked Questions (FAQs)

Can I remove an eviction before 7 years?
Yes. If the eviction is incorrect, unverifiable, or expunged, you can remove it early.

Do credit bureaus list evictions?
No. However, unpaid rent may show up as a collection account.

How do I expunge an eviction?
File a motion in court and show that the eviction was unfair, inaccurate, or resolved.

Can landlords remove evictions from reports?
Yes. If you reach a settlement, they can request removal from screening agencies.

Does Credit1Solutions.com help with eviction removal?
Absolutely. We handle disputes, expungements, landlord negotiations, and record clean-up.

What Is an Eviction & How Does It Affect Your Credit?