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Getting evicted from an apartment can make it difficult to find a new place to live and negatively impact your credit score. As landlords, we wanted to share the process of the eviction and speak on the common misconceptions individuals have when applying for another rental unit. The eviction process we will explain is for non-payment of rent only. There are other reasons a landlord may evict a tenant. However, any eviction regardless of the reason, is damaging to your history.
The eviction process begins with the Notice to Quit, which we like to explain as your “first warning”, where you can either pay or move out by the date indicated on the notice.
The next papers you will receive, if you have not continued with either to actions stated previously, will be the Summary Process Summons. By this time, there is a small window where you can either move out or pay your balance to avoid the eviction from getting onto your record. Time is of the essence here, you will want to pay before the landlord files the case in court. This summons notice, once properly filed in court, means the court case has stared and you will be summoned to solve any matters with the unit in court. Basically, you want to avoid the summons papers from being filed in court, period!
Once the property management company or landlord files the papers in court, it will remain on your records for 7 years! No way of going back! Regardless of whether a Marshall had to physically remove a tenant and their belongings from an apartment or house, if the landlord filed the paperwork in conjunction with the courts there is an eviction on your record.
This part is very important, if a landlord and tenant make an agreement in court, the eviction will STILL be on your record for the next 7 years.
Once a judge has ruled in favor of the landlord and that judgment is considered final, the three major credit reporting agencies, Experian, Equifax and TransUnion, receive notices of the eviction. And the eviction is added to the “public records” section of your credit report.
When an individual is evicted or going through the eviction process, it effects their Credit History immediately. Being evicted from your rental property has a long-term negative impact in many different areas of your life. Your ability to borrow money, find another comfortable living situation, and even get a new job could all be compromised because of this one life event. You may also have to put up more security deposit on your next unit to compensate for the eviction on your record. Your best bet is to avoid eviction at all costs!
Something also to take note of, if you have Section 8 and are being evicted without finishing up your balance to your current landlord, you are at high risk of losing your Section 8 voucher.
However, there is still some light at the end of the tunnel. If you have gone or are going through an eviction you want to reinstate yourself as a tenant in good standing, which means I finished my balance and all is well with my landlord. You want to continue this route until you move out and have your landlord write up a letter, which we highly recommend you keep with you for the next 7 years!
We realize that such mishaps do occur but when they do occur it is important to stay in constant communication with your landlord, be of your word, and pay off any debt.