How Long Does an Eviction Stay on Your Record?

Foreclosures make it tough to find housing in the near future.
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Evictions don't just cost you your current residence. They also make it harder for you to find a new one, whether you're hoping to rent or to get a mortgage at a decent interest rate. The delinquency and legal proceedings that generally lead to an eviction stay on your credit record for seven years. But depending on the circumstances, you might have less to worry about as far as your credit score goes.

Seven Year Blemish

The eviction itself isn't listed on your credit report; there's nothing on the report that indicates specifically how you left the property. However, evictions generally come after payment delays that create situations that are reported to the major credit bureaus. For example, if the eviction is the result of a judgment relating to a foreclosure that ended with the lender taking possession of the property, that will show up on your credit report. If you were renting and the landlord or property manager filed court papers to win an eviction judgment, that also makes it onto your report. Both are public records and will stay on the report for seven years.

Not All Evictions Count

The payment delays and legal action are what trigger the negative entry, not the eviction notice itself, so being evicted doesn't always result in a credit blemish. If it's the result of a breach of the rental contract -- for example, if you kept dogs in a place that didn't allow pets -- it might not make it onto your credit report if the landlord doesn't have to go to court to kick you out.

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