Post # 1
So, I applied for my very first apartment with my FI last week, was very excited, and kenw that this was the only place that would be available before our wedding, so we were banking on it to go through.
Turns out, on my credit, there was an eviction that happened to my dad in 2008, and my social was put onto the lease, even though I was a MINOR. I had just turned eighteen when we got the eviction papers, so there’s no way that my name was on the lease legally, and I did not sign anything.
The only thing that could have happened is that my dad put my brother and I as income, because we received social security from our mother passing, but I believe that is illigal, too, to put me as a source of income.
Anyway, the credit report is supposed to come in the mail today, and the apartment people are holdng the place until 5pm today. The only problem is, I work full time, and I am unable to get this paper during my break since I work so far away.
I’m so upset and I don’t know what to do.
Would the apartment people be able to give me the number of the credit place so that I could get it straightened out?
Post # 3
There are three credit reporting agencies (Equifax, TransUnion, and Experian) and you’ll need to request your credit report from each of them to see which one (or if all of them) is reporting the eviction. You’ll have to work with each of them to get it removed, and it’ll involve showing proof. I highly doubt it’s something that can be done in one day
You are, by law, guaranteed a free credit report each year. I highly suggest you take advantage of this every year and make sure nothing fishy is going on.
Post # 4
Can you leave work early to go get the paper? Or can they hold the apartment til tomorrow?
Post # 5
@abbie017: I guess with this credit report information that I’m supposed to get in the mail, is supposed to show me which one, and the apartment told me to call the number. I hope that they help me somehow, because if they deny me still (and they know that my information is correct, because my birthday SHOWS that I was underrage and not held responsible) then I wouldn’t want to live there anyway.
Post # 6
Is there any way that your FI can be on the lease by himself for right now since this won’t be cleared up in a day?
As others have said, after getting your free credit reports at http://www.annualcreditreport.com you will need to contact whichever of the bureaus has this information on it and request removal.
You can get them online right now at work and take care of it instead of going to pick up the paper that says the same thing.
Post # 7
@kate169: I work in childcare, so it’s really difficult to leave work early if we aren’t in ratio. =[
Post # 8
@Mrs.Sunflower: The thing is, the apartment leasing company probably has a policy that they don’t rent to people with evictions on their credit reports because it shows nonpayment of bills, regardless of what age you were when it happens. It’s on your credit report, which technically means they can use it against you when determining if you’re a good tenant to lease to.
Like MissAsB suggested, can your FI get the lease himself and add you to it later? It’s not going to be cleared up today (getting things removed from credit reports can take days, weeks, or even months depending on how complex it is), and it will also likely prevent you from getting a lease at most other apartments.
Post # 9
I agree with the PPs that you’ll probably just have to have your FI’s name on the lease for now because this is going to take time to clear up.
Sucks you have to deal with this though.
Post # 10
I actually work in property management. Here’s my advice:
First of all, I wouldn’t sign a lease with just your FI because at this point, I would know that you were living there. I do not rent to anyone who has had an eviction. (and until you can prove that it wasn’t you evicted, you look guilty).
If you know which property your dad was evicted from, see if they will write a letter for you stating you were a minor when you lived there, and you were not on the lease. It was the adult in the apartment who was evicted, and this should no way reflect on you.
This should at least get you over the hurdle of getting a new apartment. Then, work out with them and the credit bureau to get that off your credit.
Hope it works out for you!
Post # 11
Ugh! What a nightmare for you! That really sucks. I hope you can get a note from that other aptmnt. That’s the less painful way to go about these things. You will need that letter as proof for the credit bureaus too. They might go by you being a minor and what not but the letter will speed things up SO MUCH.
Post # 12
I had a similar situation. I have a non-payment on my record. I was in college, and when I went home for the summer, my father stopped paying my rent. Awesome. Well, legally, it was my responsibility, even though I listed no income, and my father was the cosigner.
When I moved in with DH, they had him sign the lease, and just added my name as a legal resident. A week later, we transferred into a bigger apartment, and even though we were married, they still didn’t make me sign the lease. Just added me on as a legal resident. Can you do that? For that they didn’t run a credit check. Just a background check to make sure I’m not a criminal.
Post # 13
I would start by calling your Dad and asking him why this is on your credit report. Get all the details from him about who was on the lease and why. Have him put it in writing so that you have a clear explanation. Also try calling the management company and see if they’ll give you anything in writing to the same effect, but I doubt they will since they have no incentive to.
Ask the new leasing office if the letter from your Dad and the fact that you were clearly a minor when the eviction happened is enough to explain what happened. Also explain that you didn’t know about this until you applied for the apartment and are working to get it off your report.
There’s a chance they will rent to you if that is enough evidence for them that you weren’t the financially delinquent person in the eviction, but if they have a lot of interest or applicants in general they might just take a pass. Don’t be too worried if they do that though, apply to a different complex with only your FI as the leaseholder.
Post # 14
You need to contest the eviction with each of the credit bureaus to get it off the reports because it wasn’t your debt.
Post # 15
@moderndaisy: I only have this place saved for me until 5:00pm this evening. There’s no way that I’ll get anything by then. =[
Post # 16
Until you get that eviction removed form your credit report, you are allowed to file an explanation that they have to add to the report.