Eviction & Credit Score: How to Improve Your Chances

While you won't necessarily "pass" a credit check with an eviction in your history, you can take steps to improve the potential that a new landlord rents to you. Your best approach to this negative mark on your credit history is to demonstrate a commitment to responsible payments going forward.

What Evictions Do

Evictions don't directly show up on your credit report, according to Experian, one of the three major credit reporting agencies. However, the late payment history and collections accounts often associated with an eviction do have a negative effect on your credit score. Delinquencies remain on your report for up to seven years from the time your first missed payment is reported. The amount charged off by the property owner may also appear. Landlords often do background checks on tenants, which may include calling previous landlords. If you left on bad terms, don't expect a good review.

Steps to Take

To improve your future rental opportunities -- and increase the likelihood of getting a mortgage at a decent interest rate if you ever want to buy a home -- clear up your debts from the past. When you pay off the balance on a charged-off account, your report should indicate the debt was paid. This notation alerts lenders and renters that you paid the debt even though the account remains on the report. A potential landlord or lender may view this as a sign of maturity and your assumption of responsibility. And clearing up the debt with a previous landlord improves the chances of a positive review on a screening call.