QUESTION: If you were taken to court for a broken lease and the case was dismissed is it possible to get it off your credit report?
My boyfriend left his old apartment a few years ago on account of his roommate who was unable to pay the full rent and left soon after. They were taken to court but the case was dismissed. Now we’re trying to get a house but the broken lease is still on his credit report. Is it possible to get it taken off because it was dismissed or does he still have to pay it?
ANSWER:The detail that is missing: what sort of dismissal was it? Your boyfriend needs to send a letter to the credit reporting agencies that are listing the broken lease. He will probably need to send a copy of that same letter to the past landlord disputing the negative information. If the dismissal documents from court are favorable to your boyfriend, he should attach them to the dispute letter. He should probably attach the dismissal documents in any event.
Your boyfriend should be gathering information about being declined or rejected from the new housing opportunity. In case the derogatory information on this credit report needs to be removed, and if it is NOT removed, then your boyfriend will have terrific grounds for a lawsuit against the past landlord and/or the credit reporting agencies under the Fair Credit Reporting Act.
If he needs assistance going through the dispute process, he should contact an experienced attorney. Most attorneys do not charge a fee for helping with the dispute letter writing process, or the resulting litigation, since the federal laws allow for fees to be paid by the defendants.
This information is provided for educational purposes only. There is no attorney-client relationship with Karni Law Firm until a contract is signed by the attorney and the client.