(Closed) I have an eviction on my credit, and I shouldn’t…

posted 7 years ago in Home
Post # 3
Member
13251 posts
Honey Beekeeper
  • Wedding: November 1999

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.

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm

Post # 4
Member
2239 posts
Buzzing bee
  • Wedding: May 2011

Can you leave work early to go get the paper? Or can they hold the apartment til tomorrow?

Post # 6
Hostess
18637 posts
Honey Beekeeper
  • Wedding: June 2009

Is there any way that your Fiance 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 # 8
Member
13251 posts
Honey Beekeeper
  • Wedding: November 1999

@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 Fiance 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
Member
13096 posts
Honey Beekeeper
  • Wedding: July 2010

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
Member
347 posts
Helper bee
  • Wedding: October 2010

I actually work in property management.  Here’s my advice: 

First of all, I wouldn’t sign a lease with just your Fiance 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
Member
2321 posts
Buzzing bee
  • Wedding: July 2011

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
Member
1319 posts
Bumble bee
  • Wedding: January 2012

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 Darling Husband, 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
Member
6661 posts
Bee Keeper
  • Wedding: May 2010

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 Fiance as the leaseholder.

Post # 14
Member
3692 posts
Sugar bee
  • Wedding: December 2011

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 # 16
Member
46612 posts
Honey Beekeeper
  • Wedding: November 1999

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.

The topic ‘I have an eviction on my credit, and I shouldn’t…’ is closed to new replies.

Find Amazing Vendors