How To Rent With An Eviction On Your Record

Finding a new rental property can be a challenging task, especially when you have eviction on record. However, it’s important to remember that having an eviction does not mean you’re out of options.

In this blog post, we will explore strategies and steps you can take to rent a property even with an eviction on record successfully.

While it may require extra effort and perseverance, it is possible to find a suitable rental and move forward with a fresh start. Let’s dive into the actionable tips and advice that can help you navigate this situation and secure a new place to call home.

Understand Your Eviction Record

Having a clear understanding of your eviction record is crucial when facing the challenge of renting with an eviction on your record. Here are some important steps to follow:

• Obtain your Eviction Record: Start by obtaining a copy of your eviction record from the relevant authorities or credit reporting agencies. This will provide you with detailed information about the eviction, including the reasons behind it and any legal proceedings involved.

• Review the Details: Carefully examine the eviction record to understand the specific circumstances that led to the eviction. Identify any mistakes or inaccuracies that may exist and take note of the dates, reasons, and any mitigating factors that could help you explain the situation to potential landlords.

• Understand the Impact: Different types of evictions carry varying degrees of weight when it comes to future rental applications. For instance, an eviction resulting from non-payment of rent may be viewed differently than one stemming from property damage or lease violations. Understanding how landlords may perceive your specific eviction can help you tailor your approach when seeking new rental opportunities.

• Learn from the Experience: Use this opportunity to reflect on the circumstances surrounding your eviction and consider what you could have done differently. Identifying the root causes of the eviction and taking responsibility for any mistakes made will enable you to demonstrate personal growth and a commitment to maintaining a positive rental history in the future.

How To Find Out If You Have An Eviction On Your Record?

To find out if you have an eviction on your record, you can take the following steps:

 

Contact the Relevant Authorities: Reach out to the local courthouse or housing court in the jurisdiction where you previously rented. Inquire about the process to access eviction records and request a copy of your eviction record.

Check with Credit Reporting Agencies: Contact major credit reporting agencies like Experian, TransUnion, or Equifax to obtain a copy of your credit report. Look for any mentions of eviction or landlord-tenant disputes in the report.

Consult with a Tenant Screening Service: Consider utilizing tenant screening services that specialize in background checks for renters. These services can provide information on your eviction history and other relevant details for a fee.

By taking these steps, you can obtain information regarding any eviction on your record and have a clearer understanding of your rental history.

Strategies To Rent With An Eviction On Your Record

1. Strengthen Your Rental Application

When you have an eviction on your record, it becomes even more important to strengthen your rental application to offset any concerns that potential landlords may have.

 

Here are some effective strategies to enhance your application:

• Stable Income and Employment History: Demonstrating a stable and reliable source of income is crucial. Provide proof of steady employment, such as recent pay stubs, employment contracts, or bank statements showing consistent deposits. If you have changed jobs frequently, be prepared to explain the reasons behind the transitions.

• Financial Responsibility: Showcase your financial responsibility by highlighting a positive credit history, regular bill payments, and responsible money management.

Provide references from creditors, banks, or other reliable sources that can vouch for your financial integrity.

• Rental References: Seek references from previous landlords who can speak positively about your tenancy. These references can provide valuable insights into your reliability as a tenant and help mitigate any concerns arising from the eviction on your record. If you have a good rental history before the eviction, emphasize those positive experiences.

• Personal References: Besides rental references, consider including personal references who can vouch for your character and integrity. This can be a trusted friend, employer, or someone who knows you well and can attest to your responsible nature.

• Additional Documentation: Supplement your rental application with additional documents that showcase your credibility. This can include proof of savings, a letter of recommendation from a previous employer, or any relevant certifications or qualifications to the rental property.

 

2. Offer Additional Security

When dealing with an eviction on your record, providing additional security measures can help alleviate concerns that landlords may have.

 

Here are some ways to offer extra security:

• Higher Security Deposit: Consider offering a higher-than-usual security deposit to demonstrate your commitment to taking care of the rental property. A larger deposit can provide reassurance to the landlord that you are financially invested and serious about maintaining a good tenancy.

• Co-Signer: If possible, arrange for a trusted family member or friend with a good credit history to act as a co-signer on the lease. This person will be responsible for any unpaid rent or damages if you are unable to fulfill your obligations. A co-signer can provide added confidence to the landlord and increase your chances of being approved.

• Rental Insurance: Obtain rental insurance, also known as tenant insurance or renter’s insurance, which can protect against potential damages and liabilities. This coverage showcases your responsibility and provides peace of mind to the landlord, knowing that any unforeseen circumstances will be covered.

• Offer a Larger Upfront Payment: If feasible, offer to pay a few months’ rent in advance or provide a larger upfront payment. This can demonstrate your financial stability and willingness to prioritize your rental obligations.

• Provide Additional References: Include supplementary references from reputable sources, such as employers, professionals, or community leaders, who can vouch for your character and reliability. These references can help build trust and confidence in your ability to be a responsible tenant.

 

3. Seek Alternative Housing Options

When faced with an eviction on your record, it may be beneficial to explore alternative housing options.

 

Consider the following strategies to increase your chances of finding a suitable place to live:

• Subletting or Room Rentals: Look for opportunities to sublet or rent a space within an existing lease. This option often involves renting from individuals rather than property management companies, making them more open to considering applicants with eviction records.

• Private Landlords: Some private landlords may be more lenient or open-minded regarding eviction records compared to larger property management companies. Look for rental listings from individual landlords who may be willing to give you a chance, especially if you can provide a solid explanation and evidence of your improved circumstances.

• Less Competitive Markets: Consider expanding your search to areas with lower demand and fewer rental applicants. These locations may be more willing to overlook an eviction on your record, especially if they struggle to find tenants.

• Shared Housing: Look for opportunities to share housing with roommates. This can help demonstrate stability and affordability while also sharing the responsibilities and costs of renting.

• Non-Traditional Rentals: Explore unconventional housing options such as renting a basement apartment, an accessory dwelling unit (ADU), or a mobile home. These types of rentals often have different criteria for applicants and may be more willing to accommodate individuals with eviction records.

• Transitional Housing Programs: Investigate local transitional housing programs or organizations that provide temporary housing assistance to individuals facing housing challenges, including those with eviction records. These programs can provide temporary stability while you work on rebuilding your rental history.

 

4. Work with a Rental Assistance Program

When facing challenges in renting with an eviction on your record, seeking assistance from rental assistance programs can be a valuable resource.

These programs are specifically designed to support individuals in finding housing and overcoming barriers.

 

Here’s how you can benefit from such programs:

• Research Local Programs: Start by researching and identifying rental assistance programs in your area. These can be government-funded initiatives, non-profit organizations, or community-based resources. Look for programs specifically addressing housing barriers, including eviction records or financial difficulties.

• Reach Out for Guidance: Contact the rental assistance programs and seek guidance from their representatives. Explain your situation and inquire about the assistance they provide. They can offer valuable insights, resources, and strategies for finding rental opportunities despite having an eviction on your record.

How To Get An Eviction Off Your Record?

Getting an eviction off your record can be challenging, but here are some general steps you can take:

1. Verify the Accuracy

Review your eviction record for any inaccuracies or errors. If you find any, gather evidence to support your claim and contact the appropriate authorities to request a correction.

2. Expungement or Sealing

Research the laws and regulations in your jurisdiction regarding expungement or sealing of eviction records.

In some cases, you may be eligible to have your eviction record removed or restricted from public access, typically by meeting specific criteria and going through a legal process.

3. Negotiate with the Landlord

Reach out to the landlord or property management company involved in the eviction. Explain your situation, demonstrate your improved circumstances, and request their cooperation in removing the eviction from your record.

While not always successful, some landlords may be willing to work with you, especially if you can provide evidence of your responsible behavior since the eviction.

4. Time and Good Rental History

Unfortunately, evictions generally stay on your record for a certain period of time, typically several years. However, you can gradually mitigate the impact by building a positive rental history.

Maintain timely rent payments, follow lease agreements, and communicate effectively with future landlords to demonstrate your reliability as a tenant over time.

How To Get An Apartment With An Eviction: Bottom Line

Renting with an eviction on your record may present challenges, but it’s not an insurmountable obstacle. Remember, rebuilding trust takes time, and it’s essential to demonstrate growth, responsibility, and a commitment to being a reliable tenant.

While it may take extra effort and perseverance, some landlords and programs are willing to give you a second chance. Use this experience as an opportunity to learn from your past mistakes, improve your financial and rental history, and pave the way for a brighter housing future.