Record-Sealing and Credit Repair After Eviction in Newfoundland and Labrador

Facing eviction can feel overwhelming, especially when you’re concerned about the long-term impact on your personal record and credit. In Newfoundland and Labrador, tenants have specific rights and opportunities when it comes to record-sealing and credit repair after eviction. This guide explains your options, practical steps to improve your situation, and where to turn for official help.

Eviction Records in Newfoundland and Labrador: What Gets Recorded?

In Newfoundland and Labrador, details of eviction actions—especially those involving orders from the Residential Tenancies Section (RTS) of Service NL—can be on public record. Landlords, employers, or credit agencies may access this information in certain circumstances. However, regular rental history databases do not exist provincially or nationally; most records are created when a landlord seeks a monetary or possession order through the RTS.

Can Tenants Seal a Public Eviction Record?

In Newfoundland and Labrador, there is currently no formal, tenant-initiated process for sealing or expunging an RTS eviction order from the official RTS records. However, credit reports affected by unpaid rent, damages, or collections can sometimes be corrected if you’ve resolved the debt or if information is inaccurate.

Repairing Your Credit After Being Evicted

Eviction itself does not directly appear on your credit report. However, if your landlord obtains a monetary order (for unpaid rent or damages) and sends it to a collection agency, your credit score can be affected. Here are practical steps to begin credit repair:

• Settle outstanding debts with your landlord or collection agency and keep documentation of payments.
• Request written confirmation from the landlord or agency that the debt is paid in full.
• Contact Canada’s credit bureaus (Equifax and TransUnion) to dispute or update records after debts are settled.
• Monitor your credit report regularly for errors and take prompt action if needed.

If you believe your eviction was recorded incorrectly or you settled your debt, gather your documents and contact the credit bureau to request a correction.

Where to Request or Correct Eviction-Related Records

• Residential Tenancies Section (RTS), Service NL – handles all official tenancy and eviction records.
• For credit disputes, visit Equifax Canada and TransUnion Canada to file corrections.

Relevant Forms and Applying for Review

If you believe an eviction order was issued in error, or you have settled the reasons behind it, you can apply for a review of the order with the Residential Tenancies Section.

• Application for Review
  What it’s for: Used to request a review of a previously issued order by the RTS if you have new information or believe an error was made.
  Example: If evidence has emerged that you paid rent as agreed but were evicted due to a misunderstanding, you can apply for a review.
  Download the Application Form (see “Application for Review”).
• Notice of Appeal
  What it’s for: To appeal a decision issued by the Residential Tenancies Section (RTS). Appeals are made to the provincial court.
  Example: If you disagree with an eviction order or a judgment for money, you can file a Notice of Appeal.
  Download Appeal Form (see “Notice of Appeal”).

Be sure to carefully review the Residential Tenancies Act, 2018 for rules and deadlines about reviews and appeals. Strict timing applies—appeals are usually due within 10 days of the order.

Moving Forward: Rebuilding Rental History

While you cannot erase an eviction from the provincial record, you can build a stronger, positive rental history going forward. Honoring new tenancy agreements, building relationships with new landlords, and communicating openly will help over time. For more practical guidance, see Moving Out Tips: A Tenant's Guide to a Smooth Rental Exit and Tenant Rights and Landlord Rights in Newfoundland and Labrador.

Know Your Rights: Legislation and Where to Go for Help

All landlord and tenant matters, including evictions, fall under the Residential Tenancies Act, 2018 in Newfoundland and Labrador. The Residential Tenancies Section of Service NL is responsible for administering the law and processing all related forms, records, and disputes.^[1]

FAQ: Record-Sealing & Credit Repair for Evicted Tenants in Newfoundland and Labrador

1. Can I have my eviction record sealed in Newfoundland and Labrador?
   Currently, there is no process to seal or expunge a provincial RTS eviction record, but you may appeal or review the decision if there’s an error.
2. Does an eviction in Newfoundland and Labrador appear on my credit report?
   The eviction itself does not, but unpaid rent or damages sent to collections can affect your credit. Resolving debts is key to repairing your credit file.
3. How can I check if an eviction is affecting my credit?
   You can order your free credit report from Equifax or TransUnion and look for collections or landlord-related entries.
4. What is the main law about tenant rights and evictions in Newfoundland and Labrador?
   All tenancy issues are covered under the Residential Tenancies Act, 2018.
5. Where can I get help appealing or reviewing an eviction order?
   The Residential Tenancies Section can provide guidance, and legal clinics or tenant support organizations may help with forms and appeals.

Conclusion: Key Takeaways

• There is no official record-sealing process for evictions in Newfoundland and Labrador, but records can be reviewed or appealed for errors.
• Eviction only affects your credit if monetary judgments go unpaid and are sent to collections—settling debts and communicating with credit bureaus is essential.
• Start rebuilding your rental history, use appeal/review mechanisms if there’s a mistake, and consult official sources for support.

Need Help? Resources for Tenants

• Residential Tenancies Section (RTS), Service NL – advice, forms, and dispute resolution (1-877-829-2608)
• Public Legal Information Association of NL – free legal information and tenant resources
• Equifax Canada / TransUnion Canada – order and dispute your credit report
• For a summary of your provincial rights: Tenant Rights and Landlord Rights in Newfoundland and Labrador
• Searching for a new place? Explore Houseme for nationwide rental listings

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1. Residential Tenancies Act, 2018 (Government of Newfoundland and Labrador)
2. Residential Tenancies Section – Service NL

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