Q: How to get Rental debt off credit?
Hello, I got evicted of February 2020. I left my apartment to my roommate who failed to pay, and decided to abandon the apartment without my knowledge. We got evicted and it went to court and I didn’t show up because I didn’t know this was happening. Now it is on my Rental credit report that a judgement was made. I went back to the apartments who took us to court and asked them what collection agency had the debt. They gave me a list of about 3 companies but none of them had record of the debt, even when I gave them the court case. I have been trying to dispute the information with Transunion and Experian, but they claim the debt is valid, I keep asking the companies to prove that the debt was valid by giving me the collection agency that had it, but they give me the same cookie cutter reply on the BBB site. What can I do? I want to pay it off but it seems impossible. I can’t rent anywhere with this on my credit report. Please help! Court case E200365J6 this is from Denton county
A:
You might consider paying the landlord directly rather than a collection agency and requesting a release of judgment which you would then file.
But be aware that the existence of the eviction itself will not magically go away. Future landlords will still discover the eviction when performing a background check.
Many landlords, however, offer autopay options for rent. You should consider voluntarily agreeing to pay via autopay in future rental applications. That often alleviates a prospective landlord’s concern about a single past eviction.
I would also proactively mention that, in a prior lease, you had a roommate who didn’t pay the rent resulting in an eviction on which you were named because you were on the lease.
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