When a tenant is evicted does it go on to their credit report

Question

I won an eviction by default in NJ my question is does the court decision go on the tenants credit report?

If it is suppose to go on the credit report automatically how does that happen because the court does not use the ss# on the paperwork only name and address.

Do I have to follow up and do something?

We have not finalized the process so at this time there is no small claim for money just an eviction with a warrant of removal scheduled.

Any ideas on this?

Steve Babiak · Answer

Tod, I believe you are correct, and that is the main reason most evictions never show up on a credit-only report.

In the state of PA, landlord tenant cases are initially held before the district magistrate, and there are many of these magistrates.  And the landlord tenant cases are the only ones that aren't available in the state's online search site (likely to protect the GUILTY).  So, once an address shows up in the credit report, and it's one that you weren't made aware of, you can try contacting the owner of that address (not always willing to talk) OR you can phone the district magistrate for that property address to see if there are any landlord tenant matters for that person (no need to worry about the address for the district magistrate).

I just had one where there were NINE landlord tenant matters for one person in a 5 year period ...

Some petty criminal matters are held before the district magistrate as well - but these can be found in the online search.  Felony crimes are yet another website to search.

And in PA, there is a separate "Megan's Law" site for sex offender searches.

And never forget to use Google - you'd be surprised what shows up in their MySpace (especially now that few are going there to maintain) and Facebook sites.

So, I can sometimes look in lots of places to vet a tenant application.

Nathan Emmert · Answer

Utah law essentially allows you to market up any defaulted sums by something like 40% to help cover the cost of collections.  Default on $1,000?  Someone will be coming after you for $1,400... even if the collector keeps half, the damaged part still get 70% of where they were owed.

A speaker out here said he collects about 30% of what he's owed but it generally takes 2 to 3 years.  He said follow through and turn it over to a 3rd party collector... it's nice to occasionally get surprises in your mailbox.

Steve Babiak · Answer

No, this won't show up on a credit report if you only got an order for possession.  A money judgment might, but even then I don't think it shows up on a credit report.

My screening process specifically looks for eviction records as a separate action from the credit report.  The eviction data is obtained from somewhere within the legal system.  The credit report is obtained from one of the "Big 3" credit bureaus (Equifax, Experian, TransUnion).  And of course criminal records are a separate search as well ...

The next landlord to get an application from these evicted tenants will have to conduct an eviction search to find the eviction case.  Since there is no SSN to match to the identities of the applicant, that next landlord will have to contact you to verify that their applicant matches to your evicted tenant.  This is where your "follow up" comes - your cooperation will help the next landlord avoid your evicted tenant.

Dichen Lachman · Answer

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Michael Devine · Answer

I have come across this site which has a ton of search url's, I can't remember where I found it, and it may have been right here.
http://www.blackbookonline.info/
Happy hunting.

Jorge Inzunza · Answer

Here in California, I have seen on credit reports, records of balances owed to property management companies, those coming right from eviction processes.

Tod R. · Answer

In order to have it hit their credit report, doesn't the landlord have to be registered with bureau in order to submit credit history?  If so, has anyone done this?

Steve Babiak I've not heard of searching for eviction separately from credit/criminal.  I just learned something new today!

Mark Updegraff and Nathan Emmert, our company has used collectors on occasions for defaulted office leases.  More than half the time, they get something back.  It's never been 100%, but the former tenant will usually agree to settle.

Mark Updegraff · Answer

I hate that people can take advantage of a landlord with little to no consequences.  I'll be wasting my afternoon in court on Tuesday and will get a warrent, and judgement for about $1400.  Actually collecting the money will involve more effort on my part I'm sure.  In this biz sometimes it is smarter to not even bother.  I'm sure I'll have an additional claim in small claims after they're out.... but again... is it even worth the hassle?

Good Riddens!
Screen your potential tenants WELL.  If your GUT says NO, Listen to it.

Next!
Mark

Steve L. · Answer

Here in California it goes on their civil record so when doing a criminal research you will see an "Unlawful Detainer" filed against them.

When a tenant is evicted does it go on to their credit report

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