An eviction usually shows up in tenant screening reports rather than your main credit file, but it can still block approvals. Here is how it works.
Where evictions show up
Eviction judgments are public court records that tenant-screening companies collect. Related unpaid rent or damages sold to a collector can also appear on your credit report as a collection.
How long they last
An eviction record can typically appear in screening for up to seven years. A related collection follows the same seven-year rule from the original delinquency.
When it can be disputed
If an eviction record is inaccurate, belongs to someone else, was dismissed or resolved in your favor, or a related collection is wrong, you can dispute it with the screening company or bureau reporting it.
You have the right to dispute inaccurate information in tenant-screening reports, not just your credit report. Accurate, verifiable eviction records generally remain for their reporting period.
If an eviction record or related collection on your report is wrong or is not yours, we help clients identify it and dispute the inaccurate details.
An accurate item that has to stay does not mean your credit can't improve. Your score is built from several parts — payment history, balances, the age of your accounts, and your credit mix — so there are still legitimate ways to move it forward, such as adding a positive tradeline, lowering your balances, and building new on-time history. This is exactly where a credit coach can help.
See how credit scores work →These guides are general educational information, not legal or financial advice. Individual results are unique and vary. You have the right to dispute inaccurate information on your own credit report at no cost.