How to Check if You Have Evictions
Evictions can have a significant impact on your credit score and ability to rent in the future. If you’re unsure whether you have a history of evictions, it’s crucial to find out as soon as possible. This article will guide you through the process of checking if you have evictions on your record.
1. Request a Copy of Your Credit Report
The first step in determining if you have a history of evictions is to request a copy of your credit report. You can obtain a free credit report from each of the three major credit bureaus—Equifax, Experian, and TransUnion—once a year. To do so, visit AnnualCreditReport.com or call 1-877-322-8228.
1.1. Review Your Credit Report
Once you receive your credit report, carefully review it for any mention of evictions. The report should include a section titled “Public Records” or “Collections.” If you see any entries related to evictions, they will be listed here.
2. Contact Your Previous Landlords
If your credit report doesn’t show any evictions, but you suspect you may have one, contact your previous landlords. Ask them if they have ever filed an eviction notice against you. Keep in mind that some landlords may not report evictions to the credit bureaus, so this step is crucial.
3. Check Local Court Records
In some cases, evictions may not be reported to the credit bureaus or your previous landlords. To ensure you have a complete picture of your eviction history, check local court records. This process can vary depending on your location, so it’s essential to research the specific requirements for your area.
3.1. Contact Your Local Courthouse
Start by contacting your local courthouse and asking how to access eviction records. Some courthouses may require you to visit in person, while others may offer an online search option. The courthouse staff can provide you with instructions on how to proceed.
3.2. Search for Eviction Records
Once you have access to the eviction records, search for your name and any aliases you may have used. If you find any records of evictions, note the date, court, and outcome of the case.
4. Consider Hiring a Professional
If you’re unable to find any information about evictions on your own, consider hiring a professional service to assist you. These services can search through various databases and court records to uncover any hidden eviction information.
By following these steps, you can ensure that you have a clear understanding of your eviction history. Knowing this information can help you take appropriate actions to improve your credit score and increase your chances of renting in the future.
