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 comlex. 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.
A court judgment could be picked up by a CRA but this does not always happen. Frequently, a judgment ends up on just one CRA but may not be picked up by the others. If the judgment goes to collection, the likelihood that it will be reported is greatly increased because CAs usually report.
Something else to think about beyond the credit report. Some cities have renters databases that landlords subscribe too. A prior landlord can report the problems with this tenant to that bureau and this will effectivly black-ball him to any landlord that is a subscriber. Basically, you are placed on their s**t list. I don't know a lot of about the subject of these private renter databases. I think, and please correct me if I am wrong, that the courts view them the same as a CRA, and thus they are subject to the same laws. However in practice, these bureaus are very secretive and sloppy with their records. They usually will not allow you to see your own record, and they have no procedures to dispute information they hold.
