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Exactly as the title says, my girlfriend has an eviction from 2009. There's a court record and it's on her credit reporting as money owed.
My record on the other hand is clean.
I keep running into road blocks as soon as I mention that she has an eviction.
What's making this difficult for me to even wrap my head around is that I have a take home pay around 4~6 times the rental rate. If we added her income we'd be about 10 times, but lets exclude that due to the eviction.
What I can't seem to understand is, if I can solely be approved by myself, why would adding her on immediately result in a denial?
On the flip side, if I have an established lease and she wanted to move in with me, am I to understand that she would actually not be allowed to move in with me due to the eviction?
Any input and suggestions would be greatly appreciated.
*note* It has been suggested that the debt be paid off. I've seen many LLs here mention that even seeing the eviction on the court record will be enough to throw it out. So paying it off now that it has been ~5 years seems to make Zero sense as the debt itself will roll off in a few more years.
I would not rent to you just from your note she is a dead beat that does not pay her debt 5 years or not. Why should I pay just screw the landlord and in 2 years it will not matter.
I would not rent to you just from your note she is a dead beat that does not pay her debt 5 years or not. Why should I pay just screw the landlord and in 2 years it will not matter.
That's a financial decision that is recommended by advisors. At this point in the game paying the debt would simply be an "ethical" choice. The collection company won't do a "pay for delete" to get it removed from the report.
According to these forums, most of you wouldn't rent to someone with an eviction filing, regardless of the results.
That's a financial decision that is recommended by advisors. At this point in the game paying the debt would simply be an "ethical" choice. The collection company won't do a "pay for delete" to get it removed from the report.
According to these forums, most of you wouldn't rent to someone with an eviction filing, regardless of the results.
Which financial advisor to you (or your gf) that ignoring debt is a good idea? Or that having an eviction on your record isn't a big deal?
And yes, most (99%) of the landlords on this site wouldn't rent to your gf and the same goes for the real world. Your gf screwed over one landlord already and has ignored the debt for 5 yrs.....I wouldn't take the chance she won't do it again.
Just so you know....it won't disappear from her record....it will always be there and it depends on how far back the LL is willing to go. Mine (well really the HOA) goes back 10 yrs.
If she pays the debt (and she should) it will show up as paid and she might be able to get it removed from her credit report on her own with proof of payment, but that won't do anything for the eviction. The eviction will never go away.
OP, most landlords are unforgiving jerks. I get that they get screwed over, but they aren't willing to give anyone a chance. That's my experience, especially with those who talk big on the Internet. These are the same people who are willing to bring out the pitchforks if you pay your rent first thing in the morning the day after your rent is due.
They also claim that it's so hard to get an eviction and that she must have really let things get out of control to be evicted in the first place, but they are the same ones who will say "EVICT!" as soon as legally possible, such as 10 days after the rent is due.
Missing just one paycheck can be cause for an eviction, even if you're ill or injured or just lost your job, and they'll cry to the world that you're a deadbeat. When you get evicted for something like that, it takes every dime you've got to try to struggle to find another place. Who has the money to pay first month's rent, a deposit AND pay your jerk-off landlord who wouldn't work with you when they could have just waited another week and gotten their money?
I would suggest looking at private landlords. You can find a lot of places on Craigslist that don't require a credit check. There will be some not-so-heartless landlords who won't think that your girlfriend deserves to be homeless for eternity because she paid her rent late once. You may not be able to pick from the pristine apartment complexes with sparkling pools and other amenities, though. Look for duplexes or small, modest single-family homes through private landlords.
Just so that the jerk landlords who will be ready to burn me at the stake for saying this know, I'm actually reasonably financially successful and always pay my rent on time. I still know how y'all work, though.
OP, most landlords are unforgiving jerks. I get that they get screwed over, but they aren't willing to give anyone a chance. That's my experience, especially with those who talk big on the Internet. These are the same people who are willing to bring out the pitchforks if you pay your rent first thing in the morning the day after your rent is due.
They also claim that it's so hard to get an eviction and that she must have really let things get out of control to be evicted in the first place, but they are the same ones who will say "EVICT!" as soon as legally possible, such as 10 days after the rent is due.
Missing just one paycheck can be cause for an eviction, even if you're ill or injured or just lost your job, and they'll cry to the world that you're a deadbeat. When you get evicted for something like that, it takes every dime you've got to try to struggle to find another place. Who has the money to pay first month's rent, a deposit AND pay your jerk-off landlord who wouldn't work with you when they could have just waited another week and gotten their money?
I would suggest looking at private landlords. You can find a lot of places on Craigslist that don't require a credit check. There will be some not-so-heartless landlords who won't think that your girlfriend deserves to be homeless for eternity because she paid her rent late once. You may not be able to pick from the pristine apartment complexes with sparkling pools and other amenities, though. Look for duplexes or small, modest single-family homes through private landlords.
Just so that the jerk landlords who will be ready to burn me at the stake for saying this know, I'm actually reasonably financially successful and always pay my rent on time. I still know how y'all work, though.
As a private landlord, I run a business..not a charity. I can not afford to be forgiving nor can I afford to support a deadbeat tenant. I have my own mortgage to pay as well as taxes, insurance, all utilities and maintence.
Also, most private landlords now can check credit/backgrounds of potential tenant with a simple and free internet search AND, if your so "financially successful", why are you still rent from the evil landlords?
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