An eviction occurs when a landlord legally removes a tenant for non-payment, lease violations, or property damage. While evictions do not appear directly on your credit report, they can still hurt your financial future by being listed in tenant screening reports and collection accounts.
How Evictions Appear on Your Credit & Rental History
- Court-Ordered Evictions (Unlawful Detainer) – Public court records show that you were evicted.
- Unpaid Rent Sent to Collections – If you owe money to a landlord, it may be reported as a collection account.
- Tenant Screening Reports – Rental history databases keep eviction records for up to 7 years, affecting future housing opportunities.
How an Eviction Affects Your Credit Score & Rental Eligibility
- Lower Credit Score – If an eviction debt goes to collections, it can lower your score by 50-150 points.
- Rental Denials – Landlords may reject your application if they see an eviction record.
- Higher Security Deposits – Even if approved, expect higher move-in costs.
- Security Clearance Risks – Evictions can impact government & military job approvals if associated with unpaid debt.
Since evictions can stay on public records and rental history for 7 years, removing them early is crucial for securing future housing and financial stability.
How to Remove an Eviction from Your Credit Report & Rental History
- Dispute an Inaccurate or Unverifiable Eviction Record
Under the Fair Credit Reporting Act (FCRA), you can dispute an eviction if it is:
Incorrect – Wrong tenant name, address, or case details.
Outdated – Evictions must be removed after 7 years.
Unverifiable – If the eviction cannot be verified by the court or landlord, it must be deleted.
Step 1: Obtain a free credit report at AnnualCreditReport.com.
Step 2: Get a copy of your tenant screening report from services like:
- CoreLogic Rental Solutions
- LexisNexis Rental History Reports
- Experian RentBureau
Step 3: Identify errors or outdated eviction records.
Step 4: Send a written dispute letter to the credit bureaus and tenant screening agencies.
Step 5: If the eviction cannot be verified, it must be removed.
Tenant screening companies must comply with federal laws and remove unverifiable records.
- Request an Expungement of Court-Ordered Evictions
If your eviction resulted in a court ruling (unlawful detainer judgment), you may be able to have it expunged (removed) from public records.
- File a motion to expunge the eviction in the court where the case was filed.
- Provide evidence that the eviction was unfair, incorrect, or resolved.
- If granted, the eviction will be legally erased from court records.
Expunged evictions will no longer appear in background checks or tenant screenings.
- Negotiate a Settlement & Request Eviction Removal
If you owe unpaid rent, negotiating with your former landlord can help remove the eviction record.
- Offer to pay the past-due balance in exchange for removing the eviction record.
- Request a signed agreement stating that the eviction will be removed upon payment.
- Ensure the account is updated with credit bureaus and tenant screening agencies.
Landlords may agree to remove eviction reports in exchange for full or partial payment.
- Dispute an Eviction Collection Account
If your eviction resulted in unpaid rent sent to collections, you can dispute the collection account:
- Send a debt validation request to the collection agency.
- If the agency cannot verify the debt, they must remove it.
- Negotiate a pay-for-delete agreement if necessary.
Many eviction collections are improperly documented, increasing the chances of removal.
- Wait for the Eviction to Expire (7-Year Rule)
If disputing or negotiating the eviction is unsuccessful, you may need to wait for it to naturally expire.
- Evictions automatically disappear after 7 years from the filing date.
- Older evictions affect your rental history less over time.
At Credit1Solutions.com, we help clients challenge inaccurate evictions and provide legal-backed dispute strategies to improve credit as quickly as possible.
How Long Do Evictions Stay in Public & Credit Records?
Expunged evictions will be removed from background checks and tenant screenings.
How Credit1Solutions.com Helps Remove Evictions Faster
- We dispute inaccurate eviction records using FCRA and FDCPA laws.
- We assist clients in filing motions to expunge court-ordered evictions.
- We negotiate settlements and request eviction record removal from landlords.
- We help clients remove evictions from tenant screening reports and background checks.
Instead of waiting 7 years, we help clients legally remove or minimize eviction impact as soon as possible.
Client Testimonials
Jessica P., Home Seeker
“A past eviction was stopping me from renting an apartment. Credit1Solutions.com got it removed, and I was finally approved for a new home!”
David R., Military Personnel
“I needed an eviction removed from my record for a security clearance. Credit1Solutions.com handled everything, and my rental history was cleared!”
Mark J., Small Business Owner
“Credit1Solutions.com helped me dispute an old eviction that was wrongly reported, and my rental applications are getting approved again!”
Frequently Asked Questions (FAQs)
Can I remove an eviction before 7 years?
Yes, if it is inaccurate, unverifiable, or incorrectly reported, or if you successfully expunge it through the courts.
Do credit bureaus report evictions?
No, evictions are not reported directly to credit bureaus, but unpaid rent may appear as a collection account.
How do I expunge an eviction?
You must file a motion to expunge with the court and prove the eviction was unfair, legally incorrect, or resolved.
Can a landlord remove an eviction from my rental history?
Yes, landlords can request removal from tenant screening agencies if you negotiate a settlement.
Can Credit1Solutions.com remove evictions for me?
Yes! We dispute inaccurate eviction records, help with court filings, negotiate with landlords, and assist in removing evictions from tenant reports.
Get Evictions Removed the Right Way – Contact Us Today
If an eviction is stopping you from renting a home, let us help.
✔ We remove inaccurate and unverifiable eviction records.
✔ We dispute errors and challenge misreported evictions.
✔ We assist with expungements and rental history corrections.