Apr 21, 2015

Evictions and Credit Reports

Do Eviction Judgments Appear on Credit Reports?

It is a common misconception that eviction judgments automatically appears on a former tenant's credit report. However, this is not the case. The judgment is public record, and a diligent background checker will find it, but the only way to ensure the judgment appears on someone’s credit report is to record it with the county. Once this happens, it will appear on their credit report as a monetary judgment, but there won’t be any indication that it was also an eviction judgment.

Ideally, a background check will reveal the eviction judgment even without it being recorded with the county. If you are a landlord, you should always perform background checks on prospective tenants.


However, for more everyday occurrences that don’t require a full-blown background check (like applying for a credit card or loan), having a blighted credit report can make life difficult, even if it doesn’t specify that it is an eviction judgment. The judgment will be valid for five years, and if you file an Affidavit of Renewal with the court/recorder before the end of that time, it will be valid for another next five years as well. The defendant can get the judgment removed from his credit report at any time – all he has to do is contact the plaintiff and pay off the judgment.

Once a former tenant has paid off the judgment, it is your responsibility to file a satisfaction of judgment with with the court and the recorder’s office. This will provide notice to all interested parties--including future landlords--that the debt has been satisfied. 

If you need help from an Arizona real estate attorney then contact Clint Dunaway at clint@dunawaylg.com or 480-389-6529.