Finding a new place to live can be challenging, especially with an eviction on your record. However, it’s not impossible. In this ApartmentGuide, we’ll explore how you can rent an apartment even with an eviction in your past.. Whether you’re searching for a rental house to rent in Austin, TX, trying to find an apartment in Denver, CO, or a rental in Portland, OR, we’ll guide you through the steps to help you secure a new home despite the hurdles.
What is an eviction?
An eviction is a legal process by which a landlord removes a tenant from a rental property. This usually occurs when the tenant has violated the lease agreement, often due to non-payment of rent, property damage, or other lease infractions. Once an eviction is finalized, it becomes part of the tenant’s rental history and can be challenging to overcome when trying to secure future housing.
How to find out if you have an eviction on your record
If you’ve had issues with a landlord in the past, it’s essential to check whether an eviction appears on your record before you begin searching for a new apartment. You can start by obtaining a copy of your rental history report, which is available from various tenant screening services. Additionally, checking your credit report may reveal any public records related to an eviction. If an eviction is present, you should take steps to address it, such as paying off any outstanding debts or disputing inaccuracies, as this will improve your chances of securing a new rental.
Finding apartments that accept evictions
Although having an eviction on your record can limit your rental options, it’s still possible to find apartments that are willing to work with tenants who have faced eviction. Start by searching for properties managed by private landlords rather than large property management companies, as they may be more flexible with their criteria. Additionally, consider looking into second-chance rental programs, which are specifically designed to help renters with poor credit history or eviction histories. Be prepared to explain your situation and demonstrate your ability to meet rental obligations, such as providing proof of income, offering a larger security deposit, or having a co-signer.
If you can’t find enough eviction-friendly listings, start making calls. Some complexes have options for those with past evictions, making it easier to find a rental. You can also:
- Look for apartments that accept Section 8 vouchers, as they often accept evictions too.
- Contact housing assistance agencies that can help you find eviction-friendly options.
- Consider subletting, which may not require a credit check.
- Stay with a friend or family member temporarily to buy time while you clear your eviction record.
How to rent with an eviction on your record
Here’s how you can score an apartment even with past evictions.
1. Try to get the eviction removed from your record
The first step to improving your chances of renting with an eviction on your record is to try to have it removed. This might be possible if the eviction was filed in error or if you’ve since resolved the issues that led to it. Contact the court where the eviction was filed and inquire about the process for expunging or sealing the record. If successful, this can significantly improve your prospects when applying for new rentals.
2. Talk to your previous landlord
If possible, reach out to the landlord who filed the eviction and see if there’s any way to settle the issue amicably. Paying off any outstanding debt or coming to a mutual agreement might encourage the landlord to update your rental history, which could improve your chances with future landlords. A positive reference from a previous landlord, even one who evicted you, can also go a long way.
3. Improve your credit score
A higher credit score can offset the negative impact of an eviction on your rental applications. Take steps to improve your credit by paying down debt, correcting any errors on your credit report, and consistently making on-time payments. A better credit score shows landlords that you’re financially responsible and can help you secure a rental even with an eviction on your record.
4. Offer to pay higher rent or security deposit
Demonstrating your willingness to pay a higher rent or a larger security deposit can reassure landlords of your commitment to the lease. This extra financial security can make landlords more comfortable renting to you, even if your rental history is less than perfect.
5. Obtain references and proof of income
Strong references from employers, colleagues, or previous landlords (other than the one who evicted you) can help bolster your rental application. Additionally, providing proof of steady income, such as pay stubs or bank statements, can convince landlords that you’ll be able to meet your rent obligations.
6. Create a renter’s resume or cover letter
A renter’s resume or cover letter can help you stand out from other applicants. Include your employment history, income, references, and a brief explanation of the eviction. This shows landlords that you’re proactive and serious about securing a rental, which can work in your favor.
7. Be transparent and offer an explanation
When applying for rentals, it’s often better to be upfront about your eviction, rather than hoping it won’t come up. Explain the circumstances that led to the eviction and what you’ve done to improve your situation since. Transparency can build trust with potential landlords. Here’s a sample letter explaining your eviction.
8. Look for private landlords
Private landlords may be more flexible than large property management companies regarding eviction history. They might be more willing to consider your personal circumstances and offer you a chance, especially if you can present yourself as a reliable tenant.
9. Get a guarantor, sublet, co-signer, or roommate
If you’re struggling to secure a rental on your own, consider asking a family member or friend to act as a guarantor or co-signer on the lease. Alternatively, subletting or renting with a roommate can spread the financial risk, making landlords more willing to accept your application.
10. Look for landlords who skip credit checks
Some landlords, particularly in smaller rental markets, might skip credit checks altogether. These landlords with no credit check apartments are often more concerned with meeting potential tenants in person and assessing them based on their character and employment stability.
11. Search in smaller towns and cities
Rental markets in smaller towns and cities may be less competitive, increasing your chances of finding a landlord willing to rent to someone with an eviction on their record. Consider broadening your search to include these areas, where landlords might be more flexible with their criteria.
12. Consider rent-to-own options
Rent-to-own agreements can be an alternative path for those with an eviction on their record. In a rent-to-own setup, part of your monthly rent goes toward purchasing the property over time. Since these agreements often involve private sellers rather than traditional landlords, they may be more flexible in their tenant requirements. This option allows you to build equity while renting and could eventually lead to homeownership, bypassing some of the challenges of renting with an eviction on your record.
Renting with an eviction FAQs
How long does an eviction stay on your record?
An eviction can stay on your rental history for up to seven years. It will also appear on your credit report during this time, impacting your ability to rent.
How do you remove an eviction from your record?
To remove an eviction from your record, you can request an expungement through the court if the eviction was unjust or resolved. Alternatively, negotiating with your landlord to update the record after settling any debts may also help.
Does an eviction hurt your credit?
Yes, an eviction can hurt your credit if it leads to a collection account or judgment, which will negatively impact your credit score and remain on your report for up to seven years.
How do I negotiate with a landlord who is hesitant to rent to me because of my eviction?
Be transparent about the eviction, explain the circumstances, and demonstrate how your situation has improved. Offering a higher security deposit, providing strong references, or securing a co-signer can also help.
What should I do if my credit report includes an inaccurate eviction?
If your credit report shows an inaccurate eviction, dispute it with the credit bureau immediately. Provide documentation to support your claim, and the bureau is required to investigate and correct any errors.
Does an eviction hurt your credit?
Yes, an eviction can hurt your credit, particularly if it leads to a collection or court judgment. This negative mark can stay on your credit report for up to seven years.
The information contained in this article is for educational purposes only and does not, and is not intended to, constitute legal or financial advice. Readers are encouraged to seek professional legal or financial advice as they may deem it necessary.
