How to move on after an eviction

Past evictions can make it hard for people to secure new housing, said Ariel Nelson, a staff attorney at the National Consumer Law Center.

“Some landlords automatically deny applications based on eviction records regardless of outcome or context,” Nelson said.

To begin, there are typically two places the former eviction could show up on your record, said Marie Claire Tran-Leung, a senior staff attorney at the National Housing Law Project.

It can be part of public records at the courthouse where the eviction was filed, and it may show up on a tenant screening report compiled by a third-party company that services landlords.

Depending on where you live, you may be able to get the public record of your eviction sealed, Tran-Leung said.

For example, in Oregon, tenants can ask the court to expunge eviction records where the tenant prevailed or where the case concluded more than five years ago. Illinois passed a law last year allowing many evictions to be sealed if they took place before or during the public health crisis.

More states could follow suit: The American Bar Association recommended this month that more courts seal eviction records where the case is still being decided or was dismissed.

Try to find out, perhaps with your local legal aid office, if your state or county has any such laws. If it doesn’t, it’s still worth asking the court if it would expunge or seal your record, advocates say.

Some judges will do so on a case-by-case basis.

When it comes to the tenant screening report, there are instances in which you can try to challenge the mark against you, Nelson said.

“If the eviction record has been sealed but is still showing up on a tenant screening report, the person should dispute the information,” Nelson said. “Additionally, the Fair Credit Reporting Act prohibits the reporting of eviction records that are more than 7 years old.”

If a prospective landlord has rejected your rental application based on information in a tenant screening report, they’re required to inform you of this “adverse action,” according to the Consumer Financial Protection Bureau.

You then have the right to request a free copy of the report from the tenant screening company the property owner used. The landlord who denied you is obligated to tell you the screening company’s name, address and phone number.

Meanwhile, in some jurisdictions, landlords face limitations on rejecting applications because of an eviction, Tran-Leung said.

In Philadelphia, for example, landlords can’t have a blanket policy of denying people because of a former eviction. Property owners in New York can also face penalties for doing so.

If your rental application has been denied, it may be worth trying to speak with the landlord about your history, Nelson said.

“It can be effective for the prospective tenant to send a letter to the landlord along with the application explaining the context surrounding any eviction records and providing information about their positive history as a renter,” she said.

You may also want to make the case for why you won’t fall behind with a new landlord, Tran-Leung said. “If the past eviction was for nonpayment of rent, the applicant should be able to show that her income has stabilized or significantly increased, or that the amount of rent for which she will be responsible is much lower.”

It’s unlikely a surprise to anyone who has faced an eviction: losing your home can be traumatic. A growing body of research finds evictions impact people’s mental health in a number of ways, including increasing their risk for depression, anxiety and insomnia.

Some people may want to seek therapy to process what they’ve gone through, experts say.

Open Path connects people with therapists who offer sessions for as little as $30, and The American Psychoanalytic Institute lists centers where psychoanalysts in training see patients for a relatively affordable fee. The American Psychological Association’s website has a guide to finding professional help.