How to Remove Evictions From Your Credit Report

Lease agreements are legally binding contracts between an individual and a property owner. When one party breaks the agreement, typically the renter, an eviction will occur. The property owner will often report this breach of contract to credit-reporting agencies, which will negatively impact your credit report and credit score. While the negative information cannot immediately be removed from your credit report, after seven years, the information can be removed. Often, the renter will have to request the information be withdrawn following this process.

Instructions

1

Verify the eviction has been reported to the credit-reporting bureaus. If an outstanding court judgment is owed, pay the debt in full.

2

Contact the county clerk where the court judgment was issued and request a copy of the record indicating the debt has been satisfied and the case is closed.

3

Contact the three major credit-reporting bureaus, Equifax (800-685-1111), Experian (888-397-3742) and TransUnion (800-493-2392), to report the debt has been paid and request the information be removed from your credit report. Each bureau will require documentation be submitted to support your claim. Follow the instructions on how best to provide the requested information.

4

Contact all three credit-reporting bureaus again in approximately six months to ensure the eviction has been removed. If it has not, continue working with each bureau to ensure it is properly removed.