how to see if i have an eviction

3 min read 06-02-2025

Finding out if you have an eviction on your record can be stressful, but it's a crucial step in managing your housing situation and credit. An eviction can significantly impact your ability to rent an apartment or secure a loan in the future. This guide will walk you through how to check for evictions and what steps you can take if one appears.

Understanding Eviction Records

Before we dive into how to check, let's clarify what constitutes an eviction. An eviction is a legal process where a landlord removes a tenant from a rental property for violating the terms of a lease agreement. This could be due to non-payment of rent, property damage, or other lease violations. The record of this legal action is what impacts your future housing prospects.

Eviction records are typically held at the county level. State laws vary regarding how long these records are kept and their accessibility. Some states might have online databases, while others require in-person visits to court offices.

How to Check for Evictions

There are several ways to check for evictions on your record:

1. Check Your Local County Courts

The most reliable method is to contact the court clerk's office in the county where you previously resided. They maintain records of legal proceedings, including evictions. You'll likely need to provide identifying information, such as your full name and previous addresses.

In-Person Visit: Visit the courthouse in person. This allows for immediate access to records and clarification.
Online Search: Many counties offer online court records searches. Search for "[County Name] court records" to find your county's system. Some may require payment for access to detailed information.
Phone Inquiry: Call the court clerk's office directly. They can guide you through the process and might be able to confirm if an eviction is on file.

2. Use Online Tenant Screening Services

Several companies specialize in tenant screening. These services compile data from various sources, including court records, to provide comprehensive reports. While often used by landlords, you can also use them to check your own record. Be aware that these services usually charge a fee. Popular options include:

TransUnion SmartMove
Checkr
MyRentalHistory

Important Note: The accuracy of these services can vary. Always confirm any findings with official court records.

3. Review Your Credit Report

While evictions don't directly appear on your credit report like late payments, the impact of an eviction can still be reflected in your credit score. A significant drop in your credit score, especially around the time of a potential eviction, might indicate a problem.

Request your free credit reports from AnnualCreditReport.com (the only authorized source of free credit reports). Check for any negative marks or unusual activity.
Note: While a low score might be related to an eviction, it's not definitive proof.

What to Do If You Find an Eviction on Your Record

If you discover an eviction on your record, take the following steps:

Verify the Accuracy: Ensure the information is correct. If there are errors, file a dispute with the court or tenant screening service.
Understand the Impact: Evictions can make it harder to secure new housing, so prepare to explain the situation to potential landlords. Having a solid explanation and showing a commitment to responsible tenancy can help.
Consider Legal Advice: A lawyer specializing in landlord-tenant law can advise you on your options and help resolve any outstanding issues.
Improve Your Credit: Over time, your credit score can recover. Making timely payments on other accounts can help mitigate the negative effects of the eviction.

Finding an eviction on your record can be daunting. However, by taking proactive steps to verify the information and address any issues, you can regain control of your housing situation and work towards a brighter financial future. Remember to always consult with legal professionals for specific advice related to your case.