Recently I have been thrust into the world of credit repair, and find myself ranting and raving to friends about CRA'a and CA's. A freind of mine posed a question to me today to which I honestly don't have the answer, so I'm going to ask this knowledgable bunch. He apparently was evicted from an apartment not too long ago. I'm not sure of the circumstances surrounding it, but he owed some money to the apartment complex. He did not appear in court so the judge awarded a default judgement to the apartment complex. Now, does an eviction show up on a credit report, or will the debt only show up after the apartment complex places it for collections? I hope I explained this well enough. If not let me know and I'll try to get all of the pertinent information surrounding it.
I have some experience on this..judgements show up on the CR's as public info, are negative, may show unpaid or paid, depending, and can stay a mighty long time. I never guess.... ...ahem....LOL
If the apartment complex was awarded a judgment by default, then it will be listed on his credit report(s) under public records. It will list a docket #, the court name, and the plaintiff's name. Then, his name will also be put into a separate database for evictions. If he tries to rent from a place that uses this database, they will NOT rent to him. I don't know what the name of the database is and I don't know how long they keeps records. If he settles the judgment, it will show up on his report as "settled".
MP$40: I GUESS you confirmed what I said.... AHAHAHAHHAHAHAHAHAHAHAH.... Oh, man, I need to go to the cement pond..it's too warm in here!
Now on this I need someone to confirm..if paid, it will be the 7 years, right? If not paid, it can still indefinitely?
Hi Unfortunately I have experience in this <bowing head in shame> more than once. I am in california and hubby and I do not have any judgement pertaining to eviction on our credit reports (safe for this one we just went through in May...(long stupid story lets just say Knowlegde is power and we were weak and powerless for a long time). Anyways...in California evictions show up on a different report that potential landlords run I believe its called a quad four report ...for Ca. a one main company called UD Registry has those records.They have website. I am not sure if they are national though..One other tidbit our current apartment owner told us it takes about 60 days for an eviction to show up so tell your friend to find a place fast if he can.... Best of luck..been there done that ...HATED IT!! lol Jamie
Well the place to live really isn't a concern. He was just thinking about the future. I guess for 7 years he's kind of screwed (TX by the way).
The name of the database is the UD (unlawful detainer) Registry. Many landlords run it as part of a package. If there is a judgement, it will also show as a public record, and it may also be turned over to a collection agency and show there too. Triple whammy.
I had a "problem" with a former landord. It appeared on my report stating that I trashed the place and was evicted, which is BS by the way. ( he came into the bar that I worked at with someone who was not his wife. His wife was my friend so I told her what an ass her hubby was) Anyways, I could not rent from any large management companies. I was able to rent from people that owned one or two buildings and ran everything themselves. I lived in one place for 4 years and was able to get a great reference from the owner. With that reference I was able to rent any place I applied at. Once my credit cleared up ( 7 LONG years ), I bought a house.
So you're saying there is no chance of getting a house with an eviction on your record (this was a concern of his). Or it took 7 years to get your credit cleaned up enough to get financed? By the way, he's amazed at the knowledge of you people. and thank you for your help on my issues as well!!!
I just called him with this information, a twist of events here. What if the SSN on his rental agreement was off 1 number through no fault of his own? This raises an interesting point, but then again, don't CRA's often "merge" credit reports when they see that it's the same person? A lot of those unscrupulous CRO's who try to get you to use an EIN warn against using the same info on any credit app for just this reason. No one wants to do anything illegal here, but your thoughts?
We could have gotten a house sooner, but they wanted 20%+ down. We waited the extra time and saved all we could and then bought with 5% down That left us with a lot of cash for all the other little things that popped up. We have also been renovating and paying cash for everything except using Home Depot no pay for 6 months plan, to finance the garage. The eviction on my report only hurt me when I tried to rent. The bank could have cared less about some p/od landlord when we were getting a mortgage.
A few notes to consider: 1. Get the credit reports and see it if it is there! You never know. 2. Be sure it is reported 100% accurate. If not, dispute it. 3. Read information here by searching "judgement" or "judgements" to see if he was served properly, etc. 4. Never close the door without examining all the facts and circumstances.
