Getting evicted can be a stressful and overwhelming experience. Not only does it mean you have to find a new place to live, but it can also have a lasting impact on your financial well-being. One of the biggest concerns for those who have been evicted is understanding how long does an eviction stay on your record.
How long does eviction stay on your record?
The answer is typically seven years from the date of the eviction. However, some states may have different laws that extend or reduce this time frame.
How does your eviction impact you?
Eviction can show up on your credit report, which can affect your ability to get approved for loans, credit cards, and even rental applications in the future.
Can you dispute your eviction?
The good news is that there are ways to have an eviction removed from your record. One way is to negotiate with your landlord or creditor to have it removed in exchange for payment or other concessions. Another option is to dispute the eviction with the credit bureaus, providing evidence that it was inaccurate or unjustified.
Resources that can help:
Here are some resources that can help if you’re facing eviction or have already been evicted:
- National Low Income Housing Coalition: Provides resources and assistance to low-income renters and advocates for affordable housing policies.
- Department of Housing and Urban Development (HUD): Provides resources and programs for renters, including rental assistance and counseling services.
- United Way: Offers assistance with housing and financial needs, including emergency rent and utility assistance.
- Legal Services Corporation: Offers legal aid to low-income individuals, including assistance with eviction and housing-related issues.
- Local tenant advocacy groups: Look for organizations in your area that can provide guidance and resources for renters, including legal aid and advocacy for tenant rights.
While eviction can have a negative impact on your record, it’s not necessarily a permanent stain. With the right approach, you can work to have it removed and move forward with your life. If you’re currently facing eviction or have recently been evicted, know that you’re not alone and that there are resources available to help you navigate this challenging time.