Your Guide to Removing Evictions from Credit Reports – Help Your Clients Bounce Back

You’ve likely had clients dealing with the aftermath of an eviction. The good news is, there are steps you can take to help them remove this negative mark and start fresh.

In our blog, How to Get an Eviction Removed from Your Credit Report, we explain how you can assist your clients in clearing these records and improving their credit health. Here's a quick overview:

How to Find Out If You Have an Eviction on Record

Evictions don't show up on traditional credit reports but can appear on tenant screening reports used by landlords.

If your client faces rejection, it’s important to check both reports, as unpaid rent may also show up on credit reports and hurt their score.

3 Steps to Remove an Eviction

1. Settle Rental Debts: Clear any outstanding balances. If full payment isn’t possible, negotiate a lower amount or a payment plan.
2. Request Removal of Collections: After settling, ask the property manager or collection agency to remove the eviction from the record. Get this agreement in writing.
3. Dispute Errors: If the eviction or debt is inaccurate, dispute it with the credit bureaus, providing proof like payment receipts to support the case.

How Does an Eviction Affect Credit?

While evictions don’t show up on credit reports, unpaid rent sent to collections does. This can lower credit scores, making it harder for clients to secure loans or favorable terms. Addressing these collections promptly can help improve their credit standing.

The Power of Disputing

If an eviction is unjust or there’s an error, your client can dispute it by sending a letter to the credit bureau with supporting documents.

Credit agencies must respond within 30 days, and if the dispute is successful, the collection account is removed, improving their credit score.

How Long Do Evictions Stay on Record?

Evictions can stay on tenant screening reports for up to seven years, even after being removed from credit reports, affecting rental chances. Addressing both issues helps you stand out as a trusted advisor and improves your clients' chances for better loans or rentals.

Take the Next Step – Free Training on Advanced Credit Repair

If you’re ready to deepen your knowledge and help even more clients, don’t miss our free training on credit repair strategies.

In the training, we’ll dive into more details about eviction removal, how to dispute negative items on credit reports, and strategies to improve credit scores.