If your landlord got a judgment against you for back rent it may be on your credit report.
Credit reports are created by three credit reporting companies: Transunion, Equifax or Experian. Most Housing Court eviction cases are settled by stipulation and in most stipulations, the tenant consents to a judgment. Those judgments are immediately entered into the court’s records where it can be retrieved by credit reporting agencies.
Having a judgment on your credit report will lower your credit score and can make it difficult and more expensive to borrow money for a car, a house or for education. Most eviction cases do not result in the actual eviction of the tenant. In most cases, the tenant pays the back rent owed and gets to stay in the apartment.
By law, landlords must file a satisfaction of judgment within 10 days of receiving the money from the tenant. However, most landlords do not do this.
If you want to get a judgment removed from your credit report, you must get it vacated in Housing Court. To do this, you must go to Housing Court, do an order to show cause, and ask the judge to vacate the judgment. If you don’t live in the apartment your case will be in Civil Court.