Need to remove an eviction from my credit report.....?
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from over 10 years ago! I live in California and I was served with an eviction from my landlord at my first apartment back in 1994. I was young and foolish and could not pay the rent BUT I left within the allotted time I was requested to leave. It has been a foggy memory of what happened, but I do believe I did pay them back, but I have no paperwork on this. I was in a car accident shortly after I moved out and my mother was paying alot of my bills which may have included this dispute, but I cannot find a paper trail. I have heard from others that after 11 years it should be automatically removed, but I dont know if thats true. I want to remove it now but I am hoping I dont have to get a lawyer and pay enormous fees. What department do I contact? Fair Housing doesnt deal with this issue....... so who does?
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Answer:
Being served with eviction papers is being evicted. Just because you cooperated with the eviction does not mean you were not evicted. The credit bureaus take that information from public records, not from landlords - so in all likelihood your report is accurate. If you want to press the issue, then write a dispute letter to the 3 credit bureaus and ask them to verify the information. They may have a difficult time since it is so old. If it cannot be verified, then it will come off your record. DO NOT HIRE AN ATTORNEY FOR THIS! It is a rip off in most cases. You have a simple issue (and it should go away in a year anyway. Save your money.
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Other answers
Why are you so worried about this blemish on your credit report? If you are looking for new mortgage, this really old issue carries no weight on your present circumstance. If you are looking to get a lease, no self respecting landlord will disqualify you for the one very old derogatory claim. That only leaves the issue being something of principal and if you want to "clear your name" out of principal than you will likely have to either pay fees to a lawyer to do it for you or contact the original landlord and pay off the debt and then re-submitting proof to the credit agencies showing it is resolved. I highly suggest that rather than addressing the issue, you simply move on!
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