Hey guys, help my friend please! About 5 years ago, she was renting an apartment. The owners changed hands and the apartment was bought by a new landlord. Neither of the landlords left a forwarding address to remit rent payment until 1day before the rent was due. The rent was mailed and somehow it got lost in the postal service -according to the landlord. He filed for eviction before even introducing himself or sending a late notice. He agreed he filed too hastily and he did have the check in his office, he droped the case. Now she is looking for a house, and she just came crying to me his court filing is on her credit. She says it's not on her credit report so she does not even know where to begin to dispute it. I don't know what to tell her. Will this affect her credit? If no court ever occured, what can she do to rectify this situation?
2007-12-20 07:43:43 · 4 answers · asked by _nicole_ 4 in Business & Finance ➔ Renting & Real Estate
I meant to say the lender said it was on his view of the credit report. She claims she was told it can hurt her chances to getting the loan she needs. She has all three of her credit reports, and no where does it mention a court filing. I usually have good advice for her but I am stuck on this one, I don't see it on her credit reports either.
2007-12-20 08:56:40 · update #1
Once an eviction summons is filed, it will remain on a person's court/background check for years.
Even if the case was dropped, the filing remains.
It more than likely showed up in a court records search.
She can write a letter explaining what happened - that the landlord was paid and that the case was dropped - to the lender.
2007-12-20 08:42:52 · answer #1 · answered by ? 6 · 1⤊ 0⤋
She should go to the web sites of all three major reporters and look for the contact information to alert them to a dispute, then file one. They are supposed to ask the reporter (landlord) to verify the information. If he does not, they should remove it; if he does, she might have an action against him--at least at the small claims level. He dropped the ball if all was reported accurately and he should be more than willing to do the right thing now.
Good luck.
2007-12-20 07:51:34 · answer #2 · answered by heyteach 6 · 0⤊ 1⤋
What do you mean "its on her credit?" If its not on her credit report, how can it be "on her credit"? Tell her to keep her cancelled checks and all correspondence with the landlords. If it appears on her credit report, write then a letter and contest it. I don't understand what problem she is currently facing.
2007-12-20 07:54:48 · answer #3 · answered by hottotrot1_usa 7 · 2⤊ 0⤋
It either is or isn't on her credit report. If she doesn't know how to dispute it, no one else can do it for her. The lesson here is to review your reports every year.
2007-12-20 08:18:06 · answer #4 · answered by Anonymous · 0⤊ 1⤋