How can you have an unlawful eviction remove from credit report?

Can I Remove an Eviction Notice From My Credit Report?

• Answer:

  If you do not pay your rent or otherwise break your lease terms, your landlord can go to court to evict you. Evictions stay on your credit history for seven to 10 years and can hurt your ability to get another apartment, a mortgage, a loan or even a credit card. You cannot remove accurate information from your credit report, but you can mitigate the problem by settling your account with your landlord and can dispute erroneous information with the credit bureaus. Accurate Information The three major credit bureaus cannot remove accurate and timely negative information from your credit report. Thus, if you have had an eviction in the past seven to 10 years, the credit bureaus cannot remove it from your credit. However, if you pay the balance you owe to the landlord or otherwise resolve the problem, the landlord may be willing to drop an eviction suit or contact eviction-reporting services to remove your name from their lists. Communicate With Landlord Communicating with your landlord about your financial problems can help you avoid an eviction in the first place. If you are having trouble paying your rent, don't hide from your landlord. Contact him immediately to make payment arrangements. Many landlords will allow you to make partial payments or pay late with an extra fee if you talk to them about the situation. Even after an eviction, if you contact your landlord you may be able to settle your account. How Tenant Credit Works Landlords do not usually report tenants directly to the credit bureaus. Instead, if a landlord goes to court to evict a tenant, the lawsuit becomes a matter of public record, and the three major credit bureaus pick up the information about the eviction from these records and add it to the tenant's credit report. When you apply for an apartment, landlords check your credit report for evictions and other negative information related to rental history. They may also use tenant screening services to check specifically for negative rental information. Removing Incorrect Information You may get a free credit report from each of the three major credit bureaus once every 12 months. Check your credit before applying to a new apartment to ensure there are no erroneous evictions or other negative information listed on your credit history. If you find mistakes on your credit report, write to each of the three credit bureaus to dispute the report. The credit bureaus must investigate the situation within 30 days of getting your letter.