How to Dispute An Eviction On Credit Report and Clean Your Credit Report

Evictions are simply legal decisions of the court of law against a person who owes a debt to someone else. The creditor normally selects this instrument of judgment to sue a debtor when he has lost all other options to take the money out of him.
Once a judgment has been pronounced against a person, it is sent to the credit reporting agencies and the judgment without delay reflected on your credit report. These judgments are therefore a negative piece of information on your credit report which negatively affects your credit score and it remains on your credit report for 7 years from the date of entry or until the SOL in your state has expired. Even if the judgment is paid it will reflect on your credit report as “satisfied”. Valid judgments can never be removed from your credit report.

 

How To Dispute An Eviction On Credit Report

 

 

Nevertheless, you ought to always dispute the incorrect judgments or evictions with the credit bureaus as it affects your credit score.
For instance, Rental evictions that appear on personal credit or civil records reports can be disputed. It is likely to get in touch with the landlord or leasing company and make an offer to settle the amount or balance through a certified check, and in exchange, the landlord or leasing company will issue a notarized statement attesting that the debt has been paid.
Oftentimes, landlords check the background information on new, prospective tenants, and at times landlords take a peep at court records basically to check on previous rental eviction cases that their tenants have been involved in. There are certain screening organizations, too, that offer this service for a charge.

How To Settle False Eviction Judgment On Credit Report

Normally, records of evictions are shown in a credit report although are not part of a criminal history. Eviction cases are as well reflected in civil records. Debtors who have gone through difficult situations and have defaulted on a payment due may have the eviction removed from either the civil records or credit report. This step is as well useful because eviction record may negatively affect an individual ability to get a new mortgage or lease, car lease or loan, personal loan or credit card loan.

 

false eviction on credit report

 

Write down a dispute letter to the  credit bureaus and attach a letter explaining the circumstances, together with the notarized statement from the creditor, landlord or leasing company. Within a maximum of 20 days, credit bureaus are required to investigate disputed entries or the entry is removed.

To dispute false evictions with the credit reporting agencies you may as well try out the following:
• Highlight the incorrect entries and explain everything to the credit reporting agencies with facts.
• Make all correspondence with the credit reporting agencies under certified mail.
• You can also file an online dispute with the credit reporting agencies.
• Do not make any settlement offers at this stage as you may be held responsible for the judgment even if the judgment showing on your credit report is illegitimate.

As soon as you dispute the eviction or judgment the reporting agencies verify the item with the information providers. If the information providers cannot provide any legitimate response, the agencies will remove the incorrect judgment from your credit report.

Seek Legal Assistance

The best remedy for resolving your case will be to seek legal assistance. For a negligible fee, you may be certain that all legal matters are addressed, and the process dealt with efficiently.