Every renter deserves a fair shot at housing, but what if your tenant screening report tells the wrong story? An eviction record, whether accurate or not, can make renting a challenge, but you don’t have to accept it as the final word. With the right steps outlined in the article, you can challenge errors, clear up misunderstandings, and improve your chances of approval!
What is an Eviction on a Tenant Screening Report?
An eviction on a tenant screening report is a big red flag for landlords. It tells them that a renter was forced to leave a previous home, often due to unpaid rent, lease violations, or legal disputes. These reports pull information from court records, credit reports, and rental databases, meaning even a minor issue could appear.
Not every eviction looks the same. A formal court-ordered eviction will definitely be recorded, but even a situation where a tenant moves out voluntarily after receiving an eviction notice might still appear. Since landlords use these reports to decide who gets approved, having an eviction on record can make it much harder to rent in the future.
How Long Does An Eviction Stay On Your Record?
So, do evictions go on your record?
Evictions don’t just disappear after you move out. They can stick around for years, making it tough to get approved for a new place.
The time they last depends on different places:
- Tenant screening reports: Most rental background checks will show an eviction for 7 years from the date it was filed.
- Public court records: If your eviction case went through the legal system, it might be visible for longer than 7 years, depending on state laws.
- Credit reports: Evictions themselves don’t appear on credit reports, but unpaid rent or court judgments related to the eviction can show up for 7 years and hurt your credit score.
Why You Should Dispute Incorrect Evictions Immediately
Mistakes happen more often than people realize. Maybe there was a mix-up with someone who has a similar name, or a landlord reported an eviction that was never finalized. In some cases, a past issue that was resolved might still be lingering on your report.
The longer an incorrect eviction stays on your record, the harder it is to rent. By acting fast (such as contacting the tenant screening company, gathering proof, and filing a dispute), you can get the mistake corrected before it causes more problems. The key is not to wait until you’re applying for a new place.
Step-by-Step Guide to Dispute an Eviction Record
Here’s a clear, step-by-step process to fix errors and improve your chances of getting approved for housing.
Step 1: Obtain a Copy of Your Tenant Screening Report
Before addressing any eviction-related issues, first acquire a copy of your tenant screening report. LeaseRunner offers reliable, comprehensive tenant screening services, including eviction checks, credit checks, and criminal background checks, simplifying the process for tenants and landlords alike.
- Request your tenant screening report directly through LeaseRunner for precise and up-to-date eviction information.
- If you recently faced denial from a landlord or property manager, request a copy of the report they used to review your application.
- Additionally, review your general credit reports from AnnualCreditReport.com, available for free annually
Once you have your LeaseRunner tenant screening report, examine it carefully for any eviction records or inaccuracies.
Step 2: Review and Identify Errors
Look for these common mistakes, you’ll need this information when filing your dispute.
- Evictions that never actually happened: Maybe you worked things out with your landlord, or the case was dismissed in court.
- Wrong tenant information: A report could mistakenly include someone else’s eviction due to a similar name or address.
- Old records that should no longer be reported: Evictions typically fall off after seven years, so anything older than that shouldn’t be there.
- Incorrect financial records: If you settled a past rental debt or it was reported inaccurately, it might still show up as unpaid.
Step 3: Gather Evidence to Support Your Claim
Once you’ve spotted an error, the next step is proving it. The more solid evidence you have, the better your chances of getting the eviction removed.
Helpful documents are:
- Court records show the eviction was dismissed or never finalized.
- Proof of rent payments if the eviction was due to unpaid rent.
- Correspondence with your landlord confirming that an issue was resolved.
- A copy of your lease agreement if it helps prove your case.
Step 4: File a Formal Dispute with the Tenant Screening Company
Now it’s time to submit your dispute. Each tenant screening company has its own process, but most allow you to file online, by mail, or over the phone.
Under the Fair Credit Reporting Act (FCRA), if you release your Eviction Report through LeaseRunner, LeaseRunner is obligated to investigate disputes within 30 days. Monitor the status of your dispute and maintain records of all communications for reference.
To correct inaccuracies in your tenant screening report, you can contact LeaseRunner using an Adverse Action Letter and we’ll help with the dispute process
- Clearly explain the error: Provide a concise description of the inaccuracy and the reason for its removal.
- Attach supporting documents: Include all gathered evidence to substantiate your claim.
Follow submission guidelines: Adhere to LeaseRunner's specific instructions for dispute submissions to ensure a smooth process.
Step 5: Follow Up on Your Dispute
After submitting your dispute, always stay on top of it. You should contact the company if you don’t receive a response within 30 days. If the tenant screening company refuses to correct the mistake, you can take further action by filing a complaint with the Consumer Financial Protection Bureau (CFPB) or seeking legal help.
What if the Eviction is Legitimate?
Sometimes, an eviction on your record is accurate, and while it can be hard to face, it doesn’t have to define your future as a renter. Your best bet is to focus on showing future landlords that you’ve learned from the experience.
- Provide an explanation: Be upfront with potential landlords about the eviction. Explain the situation clearly, and if possible, show how you’ve taken steps to resolve any issues. For example, you might have worked out a payment plan or settled the matter amicably with the landlord.
- Offer references: Positive references from previous landlords or employers can go a long way in building trust with new landlords.
- Demonstrate financial stability: Having a strong financial history after the eviction can prove to landlords that the past mistake is behind you. Provide recent pay stubs, bank statements, or other proof of financial stability.
Proactive Steps Tenants Can Take to Avoid Future Issues
While no one can predict the future, following these simple tips can help prevent a similar situation from happening again:
- Pay rent on time: Set up reminders or automatic payments.
- Communicate with your landlord: If you’re facing financial difficulties or personal challenges, don’t wait until the situation gets worse. Let your landlord know about any issues as soon as possible. In many cases, they may be willing to work out a solution, like a payment plan, rather than evict you.
- Review your lease agreement: Always know what your lease says and make sure you understand your rights and responsibilities.
- Take care of the property: Keep the rental property in good condition.
How LeaseRunner Helps Landlords and Tenants Handle Disputes
Platforms like LeaseRunner offer tools that make managing issues easier for both landlords and tenants. It uses technology to streamline communication, documentation, and processes.
Clear Lease Agreements
LeaseRunner offers customizable lease agreements that are easy to understand, helping to prevent misunderstandings and potential disputes from the start.
Eviction Check
LeaseRunner’s eviction check reveals any previous evictions, allowing landlords to make informed decisions and potentially prevent disputes related to past rental issues.
Rent Collection
LeaseRunner’s rent collection service allows landlords to easily collect payments on time, helping to prevent payment disputes that could escalate into bigger issues.
Final Thoughts
No one enjoys dealing with disputes, but they don’t have to derail your renting experience. If you find yourself wondering how to dispute eviction on a tenant screening report, staying ahead of potential issues and contacting the right tenant screening report providers, like LeaseRunner, can help both tenants and landlords navigate tricky situations with confidence.
FAQs
Q1. When Do Evictions Fall Off My Record?
Evictions typically remain on your tenant screening report for 7 years from the date of the eviction judgment. After this time, they should no longer appear on your record. However, some states or rental agencies might have different rules, so it's a good idea to check local laws or review your tenant screening report to confirm the exact timeline.
Q2. How Can I See if I Have an Eviction on My Record?
To know if you have an eviction on your record or to check eviction records free, request a copy of your tenant screening report. This report includes details about your rental history, including any evictions. Many major tenant screening companies, such as Experian RentBureau, TransUnion, and CoreLogic, offer ways for tenants to access their records.
Q3. Is an Eviction a Public Record?
Yes, an eviction is a public record. When a landlord files for eviction, the court documents and the ruling become publicly available, meaning they can be accessed by anyone, including landlords, property managers, and tenant screening agencies. However, the availability of this information may depend on the state or jurisdiction in which the eviction took place.
