Take the Stress Out of Disputing an Eviction on Your Credit Report
Have you that needs to be disputed? Even if the eviction was from several years back, it could greatly affect your ability to get financing now and in the future.
Do you know how to dispute an eviction on your credit report? In this post, let's look at removing an eviction from your credit history by yourself and then show you a that has left a stain on your credit report.
Going It Alone When Disputing an Eviction on Your Credit Report
Before you start dialing up your old landlord to begin sorting this issue out, know this. The eviction itself will not show up on your credit report, but rather the actions that were taken by the landlord will. For example:
- The landlord may have secured services from a third party to collect your unpaid rent.
- The landlord may have taken legal action against you.
These actions will also show up on:
- Future tenant screenings
- Background checks
- Court records
You will find this shadow following you for the next seven years unless you do something about it.
Perhaps you had a rather good reason for being evicted, and now you just want the nightmare to go away. Here are the steps you need to take for disputing these incidents to your credit report.
- Submit a letter that represents the facts as you know them.
- Be sure to include all pertinent information like name, address, phone number, the reason you believe the eviction is in error, and politely ask the eviction be removed from your credit report.
- If you and your landlord have settled this dispute, but it remains on your credit report, be prepared to provide the correct documentation for it to be expunged from all public records, including your credit report.
Then you will need to submit identical information listed above to each of the three different credit bureaus. Then follow the directions given to you by each bureau as they will be required by law to initiate an investigation into your claim(s).
Be prepared to wait up to 90 days for an answer from the three credit bureaus. If time is of the essence, you might not have 90 days to simply wait for a decision to be made that may or may not be in your favor.
These bureaus also can wait up to 30 days before that 90 day investigation period begins. If your previous landlord hasn't maintained the proper records for these investigations, you stand a pretty good chance of having the eviction removed from your credit report.
There is a better way.
Another Issue With Removing an Eviction From Your Credit Report
If you are patient enough to get a favorable decision from the three reporting bureaus, then there is the issue of needing it to be removed from public records.
If your landlord put any legal matters in motion, these will not be on your credit report, and you have a whole new set of circumstances in which you need this eviction to be removed from public records.
Be prepared to devote a lot of time and energy to trying to remove this eviction from your credit report by yourself. But it doesn't have to be that way. Let's show you problem.
How to Use DoNotPay for Disputing an Eviction on Your Credit Report
DoNotPay was designed to level the playing field and make issues like disputing this eviction a fast and easy process. Let's look at how DoNotPay can get the ball rolling and begin working on your behalf to resolve this.
How to clean up your credit report using DoNotPay:
If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in three easy steps:
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as a reference.
- Let us guide you through the four potential options:
- If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
- If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.
- If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report, and they can't collect it.
- Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.
That's it! DoNotPay will get right to work for you, resolving the eviction on your credit report, so you can relax.
DoNotPay has resolved thousands of credit report-related issues, and there is no reason that yours cannot be the next one.
What Other Things Can DoNotPay Do?
Bringing some peace of mind to your eviction on your credit report is just a starting point of the services offered by DoNotPay.
Take a look at these other credit report-related issues that you can navigate through using DoNotPay.
|Learn how to improve credit scores
|Learn about credit dispute letters
|Learn how to dispute a credit report
|Learn how to remove late payments from credit scores
|Learn more about debt validation letters
|Learn how to fix your credit score
|Learn how to remove collections from a credit report
|Learn how to remove credit inquiries
Need to dispute an? Let DoNotPay show you how easy it can be.