why would a lost lawsuit for eviction/non payment of rent be on my credit report but not public records?

Question

i'm a bit confused. 2 years ago, i was sued for eviction/non payment of rent but decided not to go to my court date to plead my side, so it was an automatic judgement for my landlord/property mgmt company and i had the time allowed by law to vacate the property. i have never paid them a penny and now it's on my credit report under mortgage accounts with the account number field XXXX and really looks like a credit card type entry...BUT i have nothing in my public records and i've searched the case database in the county where it was for my name, SS#, DL#, everything and nothing comes up under me.
Does anyone have a clue to why this is? And please don't lecture me on being sued and not paying them...I'm not making any excuses for the situation and I have made the changes in my life needed now to look at it and be ashamed of myself.

Answer 1

So far everyone is telling you that it will show up on your credit report, you already know that.

The reason that it does not show up on any public record is because you do not have any assets to place attachments on such as a lien on your house. If you owned a house or any real property a lien could be placed on that property and it would be reported in the public record.

Glad that you are on the right track, things do get better over time.
Good Luck

Answer 2

Credit reporting is about business. It's a better tool to get owed money issues resolved. Many cities also report unpaid traffic/parking tickets for the same reason.

Eventually you will pay to get your good credit back b/c you are trying to get a loan or better interest rate if you can get a loan.

Since you were not likely a property owner or it was too much of a pain to get a lien on any of your property...it was easier for them to use your credit as a "lien"

You will suffer this on your credit upwards of the next 7 years. You will be DQ'd for loans or good interest rates. It will also impact hiring as employers look at credit histories, as well as insurance companies, etc.

Bottom line...nothing comes free.

Answer 3

Because it's a credit matter, you signed a contract to pay an amount for a period of time and did not. As for the public record, it is a civil matter and not criminal. Depending on the state, they may not report civil matters the same as criminal.

Because you did not choose to go to court, it was a judgement my default and therefore my not appear on records. Sorry but it will be there for at least 7 years.

Answer 4

Report it to Federal Trade Commission and Fair housing online. You now have a lawsuit against them. You can also take some of your frustrations by putting the Corporation and Credit Reporting agency's information on the ripoffreport.com

Answer 5

diverse solutions... dude you're very youthful. do not say that "i'm a student so i do not get time for something". you've each of the time. eat inspite of you favor to. only pass outdoors in nighttime and play some outdoor video games. rather football, Badminton, Cricket and so on and so on. Play as a lot as you are able to. Play football on a daily basis for an hour or 2 and also you'll see the adjustments.

Answer 6

This will certainly show up on your credit report, sooner rather than later. It won't be good. The evicition information can be posted and stay on your credit bureau report for 7 years from the time that it was posted there. I know that it is ridiculous, but this is the law. I wish you well.

Answer 7

Simple answer. MONEY, anything that has to do with on time, or late payment or any action concerning Money will be on your credit report. PERIOD.
Don

Answer 8

Any financial judgement against you, even if it is not on any legal documents, will show up on your credit rating.

Answer 9

Im a bit confused. ...how can anybody answer this one if ya dont spill Da beans bout how this got started !