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Blog Categories. Does being evicted damage your credit score? How evictions affect credit scores The act of being evicted by itself cannot damage a credit score because credit referencing companies do not record evictions as part of their data gathering process. Why evictions take place There are several reasons why a landlord will ask a tenant to leave a property. What to do if you're facing eviction The process of being evicted can be complicated so most tenants seek help from their local Citizens Advice organisation.
Sources 1. New Statesman magazine. Share on:. Bills to pay when renting. Questions to ask when renting a house. The collection account should show the name of the original creditor who sold them the debt. Collection accounts remain on your credit report for seven years from the original missed payment date that led up to the collection status. Collection accounts are considered derogatory and can have a substantial impact on credit scores, especially if left unpaid.
Although a paid collection account is still considered negative, some newer credit scoring models don't include paid collection accounts in the score calculation, so paying off an outstanding collection account could help improve certain credit scores.
The leasing office that notified you of the eviction should be able to give you the name and contact information of the tenant screening company that reported the information. If you've already spoken to the landlord that reported the eviction and they have no record of it or state that the debt is no longer owed, you should then contact the tenant screening company to find out how to dispute the information in their file.
If you haven't already done so, you can request a free copy of your Experian credit report to see if there is a collection account for any eviction-related debt on your report.
You can also obtain a free copy of your credit report from each of the three major reporting companies at AnnualCreditReport.
From now through April , you can order your free report from Experian, TransUnion and Equifax once a week. If you find inaccurate information on your credit report, you can dispute the information immediately online with Experian.
Whether you are shopping for a car or have a last-minute expense, we can match you to loan offers that meet your needs and budget. The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually.
However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well. Personal credit report disputes cannot be submitted through Ask Experian.
To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address. To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided.
If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through April at AnnualCreditReport. Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal advice.
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