Three years of on-time rent since. One old eviction filing that screening reports kept surfacing anyway. This is the story of how she stopped letting it block what she actually needed right now.
Apply Free — Eviction History OK →Yolanda had been evicted once, three years ago, during a period after a divorce when her income had dropped sharply for several months. The case had been filed, she had moved out before judgment, and she had spent the time since rebuilding carefully — three years in her current apartment, every rent payment on time, a stable job she had held the whole time.
The eviction filing still showed up on tenant and credit screening reports. Not the unpaid debt, which she had settled — the filing itself, the historical record that an eviction case had once existed with her name on it, regardless of the outcome or what had happened since.
She needed $1,900 for a security deposit and moving costs on a new apartment closer to her job, after her current building was sold and the new owners were not renewing leases for her unit's floor.
Both rejections cited the same thing in slightly different language: an eviction record on file, treated as a significant risk factor regardless of how long ago it had occurred or what had happened in the years since. Neither application asked about her three years of on-time rent at her current address, the detail that would have told the more complete and current story.
She searched "personal loan with eviction on record." Money247.com appeared — income-only lenders evaluating bank deposits directly, with the eviction filing not the primary factor in their decision.
She applied at 6:30 PM, listing her job income and three years at her current employer. She submitted at 6:38 PM.
At 6:55 PM — 25 minutes later — three offers appeared.
The best offer: $1,900 at 30% APR over 24 months. Monthly payment: $103.
She accepted. The new apartment's deposit was paid in full before her lease elsewhere ended.
"Two applications named a three-year-old filing as their reason. Neither one asked about the three years since. The income-only lender asked about now — and now told a completely different story."
— Why an old eviction filing can outweigh years of subsequent stability in some screening systemsTenant screening and some lending systems can flag an eviction filing for 7 years or more regardless of the outcome or subsequent rental history, since the filing itself, not just a judgment, often remains visible on these reports. Income-only lenders at Money247.com evaluate your current bank deposit history — Yolanda's three years of stable income and on-time rent were the more complete picture, even though the old filing remained visible exactly as it had been.
One soft-check application reaches 300+ lenders. Income-only lenders evaluate current bank deposits, not primarily the eviction filing.
Income-only lenders read your real, recent deposits. Yolanda had 3 offers in 25 minutes despite a three-year-old eviction filing still showing on screening reports.
Choose your best offer. E-sign in seconds. No branch visit, no extended explanation of years-old history required.
Apply before 2 PM on a weekday for same-day deposit. Yolanda's new deposit was paid before her old lease ended.
Yolanda has made 11 monthly payments of $103. Every one on time, the same way her rent has been for what is now four years running.
Her credit score has moved from 538 to 567 over those eleven months. The eviction filing from three years before still appears on screening reports — it will for a few more years yet — but it sits next to four years of stable, on-time history now, which is a more complete answer than the filing alone ever told.
Past eviction OK. Bad credit from 500. Soft check only. Same-day deposit. Free in 2 minutes.
Apply Free — Eviction History OK →Past eviction OK. Bad credit from 500. Soft check only. Same-day deposit. Apply free in 2 minutes right now.
Apply Free — Eviction History OK →