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Does eviction affect credit score?
My cousin recently lost his job and is stressed while he looks for a new one. He’s worried about meeting his rental payments and potentially getting evicted. Will it affect his credit score if he gets evicted?
Tiffany Leung · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
We’re sorry to hear about your cousin’s circumstances! All the best on his job search!
Theoretically, the eviction will not affect his credit score directly as it will not show up on his credit report. However, if the landlord sells your cousin’s debt to a debt collector, there will be a record on his credit report for seven years. This will affect his score.
Here are some ways your cousin can try to prevent any evictions:
- Negotiate a payment plan with the landlord until your cousin gets a new job
- Check his state’s eviction laws and protections
- Approach local non-profits specializing in helping those who face potential eviction for resources and advice
- Take advantage of any option the landlord offers that avoid eviction
Again, while the eviction will not appear on your cousin’s credit report, it is best to prevent it. Future landlords could see the eviction as a red flag and it could become more difficult for him to secure a lease.
To help lower the rental-related costs, your cousin can also switch to more affordable renters insurance without sacrificing the coverage. We know that shopping for the best price and coverage takes a lot of time and effort, which is why Jerry can do the legwork.
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