Buying a home is one of the most important decisions you will make in your life! Even renting a home is a huge milestone for some individuals. So, what do you do when your landlord tries to give you the boot?
In order for your landlord to evict you, they must obtain a civil judgment against you in court. The landlord must properly serve you with a summons or complaint in order to proceed. Even if you haven’t violated a lease agreement, a landlord can ask you to move out at any time. If that is the case, your landlord should give you a 30 day notice or 60 day notice to move out. An eviction appears on a credit report from 30 to 60 days and they usually stay on the file up to 7 years. Many rent controlled cities passed state laws and require the landlord to prove a legal reason for termination.
It is frustrating having an eviction on your record! It makes renting a home in the future more hectic than it already is. Here are some tips that may help you to remove an eviction from your file:
Settle the Debt:
Try and negotiate a settlement offer with your former landlord! Communicate with them, keep all evidence of conversations, and make sure they are aware of contacting the 3 major credit bureaus to have your eviction record removed from your file. Ask the landlord to send you the confirmation letter outlining the terms of the agreement. This confirmation letter should highlight your total balance, payment arrangement, due dates, and a description of the fees you are charged.
Pay the Balance Due
Once your landlord receives your last scheduled payment, your balance will be paid in full. The landlord should send you a letter confirming that you paid your entire due balance and that you are no longer obligated to the rental agreement. Keep any confirmation letters in your personal file so you are able to provide proof for credit bureaus.
Follow Up with the Landlord
Verify that the landlord removed the eviction record from your credit report. If the eviction is still on your credit report, you will need to submit a formal dispute to each credit bureau to have the information removed. As frustrating as it is, removing an eviction record is time consuming.
If you are worried about your landlord giving you an eviction notice, try to contact them beforehand. Communicate with them about what they expect from you as their tenant, go over your lease agreement, and troubleshoot an active future plan with your landlord to obtain a healthy median.
Learn about tenant laws here: https://www.american-apartment-owners-association.org/landlord-tenant-laws/