Your Questions About Credit Reports For Landlords

Helen asks…

How to get eviction off of credit report?

When I checked my credit report it said that i had got evicted. I never rented a place in my life. My mom got evicted but I was living with her. I never signed a lease or anything but somehow I’m listed on the eviction. I think the landlord was being spiteful and put my name on there. What can I do to get if off? Legally does she have the right to sue me even though I did not lease that house?

John answers:

If you are not a signatory on the lease the credit file must remove the information. Likely they got it from court documents, technically you were “evicted” but that eviction was not a financial obligation of yours, you Simply had to leave. Evictions are against everyone in the property

Robert asks…

I need a credit report for my apartment application and none of the sites can identify me?

I need to get a credit report for an apartment application. Every credit report site I go on, it can’t identify me. I really don’t have any credit so it explains why they can’t identify me. So what should I do? I can’t just say I couldn’t find it online because it sounds like I’m lying. I tried calling these sites but the people on the phone working there were utterly useless. What should I do?

John answers:

Most of the time the landlord or property manager would obtain the credit report when you submit your rental application and the fees it cost them to obtain your credit report.

There are some instances where you would be able to provide a credit report you obtained. Normally if you obtained the credit report it has to be within a certain time frame.

If you do not have sufficient credit or credit lines, you might inquire of the bureaus as to how you would be able to start one and the cost of this service.

I hope this has been of some benefit to you, good luck.

“FIGHT ON”

Chris asks…

What happens to your public record and credit report when you get evicted?

I am about to be evicted for noise complaints. Will this show on my public record? Will this show on my credit report? We DO NOT owe the land lord any money. Is there any way we can get this to not show up on both our public record and credit report if we move out with in a period of time?

John answers:

It will only show up if the landlord chooses to put it on your report or, they take you to court to sue you for damages, back rent or to get you out if you do not move on your own.

I would say it is up to the landlord in this case though, since you say you are going to leave *quietly*. LOL

The problem you may have, is when you go rent another place, you cannot use this landlord as a reference.

Maria asks…

Whats the point in paying off a collection on your credit report?

If the collection doesn’t come off your credit report when you pay it then what is the point of paying? I don’t see any benefit.

John answers:

Collection agencies tend to sue you.
They usually wait before the item drops off your reports.
Perhaps this is done to allow you to get your finances back in order, that you will become more financially stable as the years pass.
They can garnish your wages and go after your assets such as your checking.
This will incurr more fees, and more damage to the credit reports.

A future lender will view your reports (same for landlords).
They will notice the item as “paid” and act accordingly.
That’s why you see people paying off items on their reports before getting a mortgage.
Any lender will require that items in collections be paid off.

Michael asks…

How to get eviction off of credit report?

When I checked my credit report it said that i had got evicted. I never rented a place in my life. My mom got evicted but I was living with her. I never signed a lease or anything but somehow I’m listed on the eviction. I think the landlord was being spiteful and put my name on there. What can I do to get if off? Legally does she have the right to sue me even though I did not lease that house?

John answers:

If you lived there as an adult you were evicted too. Leases are not requirements.

If you were a child when this happened you need to take your ID, social security card and birth certificate down to the court house that issued the judgment. Show them that you were a child at the time (under 18) and they will remove it.

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