How Long Does a History of Evictions Last?
If you have ever been evicted from your home, you may be wondering how long this will impact your record. An eviction can negatively affect your ability to rent or buy a home, apply for loans or credit, or even get a job. In this article, we will discuss the details of how long an eviction stays on your record and what steps you can take to mitigate its impact.
Understanding Eviction Records
An eviction record is a legal document that shows that you were forcibly removed from your residence due to a breach of your lease agreement. This record can be filed in both public and private records, and can remain on your record for a certain period of time.
How Long Does a History of Eviction Last?
The length of time that an eviction record stays on your record depends on whether it is filed in public or private records.
Public Records
If an eviction is filed in public records, it can stay on your record indefinitely. Public records are generally available to anyone who wants to access them and can be found by performing a simple online search. This means that potential landlords, lenders, and employers may be able to see your eviction record even years after it occurred.
Private Records
If an eviction is filed in private records, it can stay on your record for up to seven years. Private records are generally only available to landlords and credit bureaus who have a legitimate reason to access them. After seven years, the eviction record will be removed from your record and will no longer be visible to potential landlords, lenders, and employers.
Impact of an Eviction Record
Having an eviction record can impact your ability to rent or buy a home, apply for loans or credit, or even get a job.
Rental Applications
Most landlords will check your rental history before approving your application. If you have an eviction record, you may be seen as a risk and may not be approved for the rental.
Credit Reports
Evictions can also show up on your credit report if the landlord or property manager sent the debt to a collection agency. This can negatively impact your credit score and make it difficult to secure loans or credit in the future.
Employment Background Checks
Some employers may conduct a background check before hiring you. If you have aneviction record, it may be seen as a red flag and could impact your chances of getting the job.
Tips for Increasing Your Acceptance Probability
If you have an eviction record, there are a few steps you can take to improve your chances of getting approved for a rental, loan, or job.
Get a Credit Repair Service
Be Honest
Always be honest about your eviction record when filling out applications. Lying about it can only make things worse and can result in further legal action against you.
Have Good References
Having good references from previous landlords, employers, or other reputable sources can help to offset your eviction record.
Offer More Money
Offering to pay a higher deposit or rent can also help to show that you are serious about renting and can help to offset your eviction record.
Use a Co-Signer
If you have someone who is willing to co-sign on a rental agreement or loan application with you, this can also help to improve your chances of approval. The co-signer will be responsible for the debt if you are unable to pay, which can give the landlord or lender more peace of mind.
Conclusion
Anevictions record can stay on your record for a long time, potentially impacting your ability to rent, buy, or even work. Understanding how long anevictions stays on your record can be crucial to moving forward with your life. It is important to note that there may be some variations in eviction laws and regulations depending on your location, so it is always a good idea to seek legal advice if you are unsure about your specific situation.
Remember that an eviction is not the end of the world. There are steps you can take to improve your chances of being approved for housing or loans in the future, and there are resources available to help you if you are struggling with housing or financial issues.
FAQs
- Can I still rent an apartment with anevictions on my record? Although it may be more challenging, it is possible to rent an apartment after an eviction. Landlords may require a larger security deposit or co-signer, and some may simply reject your application outright.
- How long does a landlord’s eviction report remain active? Anevictions can stay on your credit report for up to seven years, which can impact your credit score and make it harder to obtain loans or credit in the future.
- Can I get aneviction removed from my record? It is possible to get anevictions removed from your record in certain circumstances, such as if it was filed in error or if you can prove that it was unlawful. However, this can be a difficult and time-consuming process, so it is best to avoid eviction if possible.
- Will an eviction prevent me from getting a job? Aneviction alone is unlikely to prevent you from getting a job, but it can be a red flag for potential employers, especially if theevictions was related to financial or legal issues.
- Can I still qualify for government assistance if I have an eviction on my record? It is possible to qualify for government assistance if you have anevictions on your record, but it may be more difficult. Some programs may have specific requirements or restrictions related to eviction history.
