If you have a prior eviction on your record, finding a new rental can be quite challenging. Most landlords are hesitant to accept tenants with an eviction history as it is seen as a major red flag. There is a fear that the tenant may repeat the same behavior that led to the eviction in the first place.
Evictions can occur for various reasons, with unpaid rent being the most common cause. Besides property damage, landlords are concerned about losing a month's worth of rent. Therefore, having an eviction on your rental history may require some extra effort during the application process.
Fortunately, there are rentals out there that accept applicants with prior evictions and other red flags. It may take a little more work to find them, but don't give up. Your new rental property is waiting for you, even with an eviction on your record. Here are some tips to help you in your search:
How long will an eviction stay on my public record?
Typically, an eviction will remain on your record for up to seven years. After this period, it will be removed from your credit report and rental history, and you won't have to explain the situation to potential landlords.
However, there is also the option to get the eviction expunged earlier. This process often involves going to court to prove that the eviction notice was not legal or that you did not violate any lease agreements. You can also directly petition the court to have the eviction removed. Keep in mind that getting an eviction expunged early does not guarantee that you won't have to find a rental while it is still on your record.
Getting started renting with an eviction
To find a place to rent while dealing with an eviction on your credit report, there are a few steps you can take at the beginning of your search. Here are some suggestions:
Start your search early
The earlier you start looking, the higher the chances of finding a rental that accepts tenants with evictions. There are more options out there than you might expect, and one of them is likely to be willing to work with you.
Look in smaller towns or suburbs
Smaller towns and suburbs often have a lower demand for rentals, which means they are more likely to accept tenants with evictions. They may still conduct a credit check but are more lenient if you can demonstrate responsibility and capability in renting.
Search online for rentals that don't require a credit history
There are websites that allow you to filter rental properties based on their acceptance of tenants with evictions or with no credit check requirements. While they may have additional criteria to prove your ability to make rental payments on time, they can help you overcome your red flags.
Contact property managers
It may not be openly advertised, but some property management companies and landlords may still consider renting to individuals with past evictions. Give them a call and inquire about their rental policies. It never hurts to ask, especially if you find a property you really want to live in.
Before having these conversations, make sure you have a plan in place. Prepare what you can offer in lieu of a good credit report, such as referrals, bank statements, and a positive rental history (excluding the eviction). These documents can greatly help your case.
Don't give up
If you don't immediately find a rental that accepts your eviction, keep looking. There are rentals out there, and you may even come across rental programs designed to assist individuals with red flags on their record. Patience and persistence will pay off.
Working with an eviction on your record
Renting with an eviction is possible, especially if you prepare for the process ahead of time. Here are some steps you can take to increase your chances of finding a rental:
Be upfront about your eviction
Honesty is crucial when applying for a new rental. Landlords will likely conduct a credit and rental history check, so it's best to disclose the eviction from the beginning. Not only does it demonstrate integrity, but it also gives you an opportunity to present your side of the story. If you can provide a reasonable explanation, landlords are more likely to overlook your past mistake.
Get a co-signer or roommate
If finding a rental that accepts your eviction is difficult, consider getting a co-signer or a roommate to improve your financial situation and rental history. A co-signer is someone who legally assumes responsibility for covering your rent if you're unable to pay. A roommate with a good credit and rental history can also enhance your chances of finding a rental beyond those specifically catering to bad credit situations.
Prove you're reliable at paying rent
In addition to a co-signer or roommate, there are several ways to demonstrate your reliability in paying rent. Collect reference letters from previous landlords, your current employer, co-workers, and even family members. If the eviction stemmed from circumstances beyond your control, ask the involved landlords to provide a thorough reference explaining the situation. Other references should highlight your character, work ethic, and financial stability. Supporting documents such as pay stubs and bank statements can further strengthen your case.
Work on improving your credit score
Consider working on improving your credit score if it poses a challenge in finding a rental that accepts evictions. There are ways to boost your score and address any issues related to your rental history that may hinder your search.
Pay more rent in advance
To show stability and commitment, consider prepaying more than just the first and last month's rent. Offering to pay a larger security deposit can also demonstrate your commitment to being a responsible tenant. These actions can compensate for a low credit score or an eviction on your record.
Explore options to remove the eviction from your record
Research local organizations that can help you remove the eviction from your record. While this is a challenging process that takes time, it's worth exploring your options. You can start by contacting the company that filed the eviction and explaining the situation. Additionally, reach out to the credit bureaus and consider hiring a lawyer to negotiate a settlement or handle the legal process.
Remember that these strategies require time and effort. If you need a new place to live immediately, consider the previously mentioned methods for dealing with an eviction on your record. Find a rental first, and then focus on removing the eviction for future searches.
How to find rentals that accept evictions
While not all rental property listings explicitly state whether they conduct background checks, it is still something prospective landlords consider. To increase your chances of finding a rental that accepts evictions, consider the following options:
- Look for apartments that accept Section 8 vouchers. These programs aim to provide affordable housing for low-income families, and many property management companies that accept Section 8 also accept tenants with evictions.
- Search online for rentals that explicitly accept tenants with evictions. Certain websites allow you to filter results based on eviction acceptance criteria.
- Contact a housing assistance agency as they often have listings for available homes that accept tenants with evictions.
- Consider sublets, which may not require a credit report, allowing you to bypass your past eviction.
- Temporarily stay with a friend or family member, renting a room from them while you continue your search. This gives you time to remove the eviction notice from your record.
The key in these situations is navigating the credit check process. You want to find a rental that doesn't solely rely on your rental history and credit score to judge your suitability as a tenant. Even if your eviction is considered, be confident in your ability to provide other evidence that proves you are reliable and responsible.
Evictions aren't the end
Having a bad rental history, especially with an eviction on your record, can make it harder to find a rental. However, it's important to remember that it doesn't have to be the end of your search. With the right approach, you can address and even overcome the challenges posed by a past eviction.
Please note that the information provided in this article is for educational purposes only and should not be considered legal or financial advice. It is always recommended to seek professional legal or financial guidance as you see fit.
