Remove an Eviction
Can I remove an eviction from my record that is not supposed to be there?
I sued my landlord and withheld rent, because of that, my landlord issued a pay or quit. We then went to court and the matter was dissolved between our lawyers. The case was dismissed without prejudice (that means there was no judgement against either one of us), so why is this eviction on my record? How can I remove it?
There are companies that go after public records of eviction cases. They collect all the names of the people who have eviction cases filed against them, the minute the cases are filed. (Regardless of whether you win the case against you, settle out of court, etc). They use this database to make money off the rental companies, who want to check for evictions.. (i.e. the $39 landlord credit check services).
It's likely they collected your name off the public record, and it's on their eviction proceedings list. Even if you won, they still keep your name posted on their list. Legally they are supposed to remove your name after 7 years.
Write a letter to each of the three major credit bureaus telling them that the item is inaccurate. They are required by law to verify it within 30 days and report back to you. Some will simply delete it and not bother to verify. If any come back and say they verified it, write to them again and send a copy of the court order dismissing the lawsuit. If you did not keep a copy of the dismissal, you can go to the court and pay for a copy from the official records. Some courts also have records online.
Evictions actually aren't on your credit report, but if the money due was sent to a collection agency that will be on your report for seven years. The only way for correct information to leave your report is time. Don't believe "credit cleaning" scams.
It will age off your record after seven years, unless the unpaid debt went into default. In this case, the debt will disappear 7 years after last action.
If the eviction actually happened, you cannot remove it. Anyone who promises to remove anything from your credit report that actually happened is lying; it cannot be done. That being said, it will actually disappear on its own, most likely after seven years, but for sure after ten.
The information contained in this document is not to be used as legal advice.