Credit Reporting - Landlord Forum thread 344582

Credit Reporting by Anonymous on April 22, 2016 @12:12

I have Tenant evicted. She owes me attorney fees and some fines for violations. Notice was served for amount due but T did not accept registered mail. She must have got copy through regular mail as it was mailed while she lived there. Do I need court order for credit reporting or my previous notice and detailed security deposit letter is enough? I have mentioned in deposit letter that if balance is not paid within 15 days, we will report to credit bureaus as per lease. There was no separate disclosure in lease but last paragraph mentions about it. Also, right below credit reporting clause, it says that '' Before signing of this lease, landlord has explained and read lease to me'' ....and we really explain the lease bf they sign.

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Re: Credit Reporting by Anonymous on April 22, 2016 @13:34	[ Reply ]

Did you go to court and have tenant evicted or did you serve tenant notice to pay or quit and the tenant vacated? Sounds like you are trying to send the ex-tenant a bill for attorney fees and fines without a court judgement. If that's the case, you need to either sue the ex-tenant or hope the ex-tenant pays. Without a court judgement, you are running the risk of being sued yourself. It looks like you have no idea what your doing and perhaps need to hire a lawyer to handle this for you.

Re: Credit Reporting by Magic Mike on April 22, 2016 @17:52	[ Reply ]

Just so I am clear, you have an eviction judgement and want to know how to report it to the credit agency? The answer is, you don't have to do anything. The credit reporting agencies routinely collect eviction judgements from the court all on their own. Damage is done.

Re: Credit Reporting by MrDan (GA) on April 23, 2016 @16:53	[ Reply ]

Not sure if you have a judgement issued by the court, if that's the case the judgement will be picked up by the credit agencies. If you are sending the tenant a bill for what you feel the tenant owes and do not have a court judgement, then there are penalties for sending the ex-tenant/debtor a letter stating that they will be sent to collections or that their credit may be affected without telling the ex-tenant/debtor that the fact that the “debt is disputed” will be disclosed to the collection agency or credit reporting agency triggers a penalty of up to $1000.00 per occurrence.

Re: Credit Reporting by anon on April 25, 2016 @18:19	[ Reply ]

You need to take tenant to court and win a judgement that they don't pay for credit bureaus to pick it up.