Does eviction affect your credit?

I did a search on eviction and got more info that I can handle!! But, I didn’t find an answer to my question. Does getting legally-through-the-court-system evicted show up as a negative on your credit score? Probably varies from state-to-state, this is North Carolina. If so, how big a hit is it?

I do NOT need answer fast and I own my own home… just curious! :smiley:

For what it’s worth, I’ve seen advertisements for online background check services that specifically mention that they can provide a landlord with a prospective tenants eviction history (if any). The selling point (according to the ads) is that it can be difficult for a landlord to find this out just by doing a credit check.

An eviction is a legal action but does not have to involve owing money that is unpaid/reported to a collection agency.

A legal case search would turn it up, but not a credit check.

Your credit report reports on your credit history. Eviction has nothing to do with credit.

Of course, people can find out about it through other means. Eviction is a legal process and generally a matter of public record.

I had a civil judgement against someone land on my credit report. It had to do with an eviction. It was clearly not my issue, and I had it removed from the report as an error.

Civil judgments, bankruptcies, collection accounts, etc. can all show up on your credit report, but that’s a separate issue from eviction.

Yes, this. We normally think of evictions as related to unpaid debts, so you usually have a judgment and an eviction at the same time, but that’s not necessarily the case.

How often do evictions happen in real life for some reason other than nonpayment of rent? For example, a tenant is up to date on rent payments but they are evicted for making too much noise. What about a court case where a tenant claimed to be up to date on rent and that the lease could not be terminated but the court ruled that the lease was invalid or could be terminated and allowed the landlord to evict because the landlord wanted the tenant out for some reason other than tenant misconduct, such as a desire to live in the home themself?

Well, yes, but most dudes who think they were evicted actually werent.

If you get a 3 day notice (To Pay rent or Quit) or a 30 day notice (to leave), and you do so, then you really werent “evicted”. Yes, of course your old landlord will hardly give you a good review to your new landlord, but your credit rarely takes a hit. Nothing is recorded.

But if they post you for eviction, the Sheriff comes out and kicks you out, etc, then that is entered on most credit reports like a Judgment, as it is one of sort.

IANAL, YMMV (esp if not in CA).

At what point does it become an eviction? I typically post a notice of eviction which states I’ll file a landlord/tenant dispute with the local magistrate suing for possession of the property (and a judgement for missed rent). If they don’t get out we have our hearing and the magistrate issues a judgement granting me possession. If they don’t vacate after that the magistrate issues an order to the local constable to escort them out. I forget what it’s called because they usually leave first, but the word eviction isn’t part of it.

So based on my local experience the only part of the process called ‘being evicted’ is when I post an evicition notice threatening to sue for posession, which I believe is the part you call 30 day notice to leave.

There are often reasons for evictions in addition to non-payment of rent but if you want people out of your rental they’re usually also not paying rent. I’m sure it’s not a rarity though. Destroying your property, allowing people not on the lease to live in the home (think 5+ friends, not a new girlfriend), criminal behavior on the premises, etc.

If you have a lease period ending, say the end of a 12 month lease is approaching or you have a month-to-month lease, you’re free to terminate the agreement and ask your tenants to move out in accordance with your lease agreement. If you had to go to court because they wouldn’t leave you’d show the magistrate your lease and say “See here, it says the agreement ended on July 31, I notified my tenant in writing I wouldn’t renew” and they’d have to leave.

It happened to me. I was evicted because the landlord wanted the house for her mother. I made them go through the whole legal process because my wife was undergoing chemotherapy at the time, and a move was undue stress. Also, the landlord’s husband (who was also on the lease) told me he was against the eviction, and would not sign any legal papers. I successfully delayed the eviction for about six months, until the landlord threatened her husband with unspecified consequences, and he folded. He apologized, and told me she knew where all his skeletons were buried.

" If they don’t get out we have our hearing and the magistrate issues a judgement granting me possession. " Legal judgement= being evicted. Judgements go on your credit record.

“I post an evicition notice threatening to sue for posession”= Threatening to take them to court and get a judgement. Threats do not go on your credit record.

The show Hoarders had an example (if you can believe any part of reality TV is real). Father owned a property and the daughter was living there rent-free. Her hoarding problem was not only a personal problem, but was destroying the property. At the end of the show (after all other options failed) the father said he was proceeding with eviction, in the hopes of 1) getting the daughter to seek help and 2) saving the property.