Having an eviction on your credit report can make renting a home, securing loans, or rebuilding financial stability challenging. But how long does it take to remove an eviction from your credit report in Arizona?
The answer depends on how the eviction was reported and whether you take action to dispute or settle it.
Here’s what you need to know about eviction records and how to remove them as quickly as possible.
How Long Does an Eviction Stay on a Credit Report?
Evictions do not appear directly on your credit report, but the financial consequences can show up in several ways:
Unpaid rent or damages sent to collections – Remains for 7 years from the date of delinquency.
Court eviction judgments – Reported as a public record and stays for 7 years.
Missed rental payments – May appear as negative marks on your credit file.
If your eviction resulted in unpaid debt or a court judgment, it can remain on your credit report for up to 7 years unless removed.
Steps to Remove an Eviction from Your Credit Report Faster
1. Check Your Credit Report for Errors
Request a free credit report from AnnualCreditReport.com.
Look for incorrect eviction-related entries, such as unpaid rent, collections, or judgments.
2. Dispute Any Incorrect or Outdated Entries
If the eviction was reported incorrectly, file a dispute with Experian, Equifax, and TransUnion.
Credit bureaus must investigate and remove inaccuracies within 30-45 days.
3. Negotiate a "Pay for Deletion" with the Collection Agency
If unpaid rent was sent to collections, contact the agency and offer to pay the debt in exchange for removal.
Always get the agreement in writing before making a payment.
Credit agencies typically update records within 30-60 days.
4. Request a Motion to Set Aside an Eviction Judgment (If Applicable)
If the eviction led to a court judgment, file a motion to have it set aside in the court that issued it.
If granted, the judgment is removed from public records and credit reports.
The process can take 60-90 days, depending on court response times.
Taking these steps can help remove an eviction from your credit report in as little as 1-3 months.
What If You Can’t Remove the Eviction? Alternative Solutions
If you can’t remove an eviction from your credit report, here’s how to minimize its impact:
Improve Your Credit Score:
Pay down other debts to offset the negative eviction mark.
Use a secured credit card to rebuild positive payment history.
Dispute older negative items to improve overall credit health.
Work with Private Landlords Instead of Large Apartments:
Corporate-managed apartments have strict credit checks.
Private landlords may be more flexible with rental history.
Show proof of steady income and positive rental history.
Offer Higher Deposits or Get a Co-Signer:
A larger security deposit reassures landlords despite eviction history.
A co-signer with strong credit improves your approval chances.
Even if an eviction remains, you can still rent again by proving financial stability.
Final Takeaway: How Long Does It Really Take to Remove an Eviction?
If you take action, you may be able to remove an eviction-related entry within months instead of waiting 7 years.
Fastest removal (30-45 days):
Dispute inaccuracies with credit bureaus.
Moderate removal time (60-90 days):
Negotiate "Pay for Deletion" with a collection agency.
File a Motion to Set Aside an eviction judgment in court.
Longest timeline (Up to 7 years):
If unpaid debt or a judgment remains unchallenged, it will naturally fall off after 7 years.
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