Credit Repair After Eviction Judgment: Ontario Tenant Guide

If you've experienced an eviction judgment as a tenant in Ontario, it can feel overwhelming—especially when it affects your credit score and future housing options. Understanding your rights and the steps you can take to repair your credit is essential. This guide explains practical actions for Ontario tenants following an eviction judgment, drawing on official legal and housing resources to help you move forward confidently.

What Happens to Your Credit After an Eviction Judgment?

When a landlord obtains a legal eviction judgment—for example, through the Ontario Landlord and Tenant Board (LTB)—and you owe money (often called arrears of rent or damages), this outstanding debt can be reported to a collection agency or appear in your credit report. A lower credit score makes it harder to rent in the future, so taking steps to repair your credit is crucial.

The Role of the Landlord and Tenant Board

The Ontario Landlord and Tenant Board (LTB) oversees residential tenancy disputes, including eviction judgments. The important legislation governing tenancies is the Residential Tenancies Act, 2006.¹

Step-by-Step: Repairing Your Credit After an Eviction Judgment

While repairing your credit score takes time, tenants can take concrete steps:

• Obtain a Copy of Your Credit Report: Request a free credit report from agencies like Equifax or TransUnion. Review for errors or outstanding debts related to your eviction.
• Pay Any Outstanding Debts: If you owe arrears, consider arranging a payment plan with your former landlord. Once fully paid, request a letter confirming the debt is settled.
• Dispute Errors: If you find inaccurate information related to your eviction, dispute it with the credit bureau. Provide supporting documentation from the LTB or the landlord.
• Improve Overall Credit Habits: Pay all other bills on time and keep credit balances low to slowly rebuild your credit score.

Relevant Forms for Tenants After an Eviction Judgment

• Request for Review (LTB Form S2): This form allows tenants to ask the LTB to review an eviction order if you believe there was an error or you did not attend your hearing.
  Use this form promptly if you want to challenge a recent eviction order.
  Official Form: LTB Tenant Forms
• Payment Plan Agreement: While there is no official government form for payment arrangements after judgment, you can directly negotiate with your landlord and ask for a written payment plan to demonstrate your commitment if you need to prove it to future landlords or creditors.
• Motion to Set Aside an Ex Parte Order (LTB Form S3): If you were not present at a hearing, you might use this to request a review.
  Official Form: LTB Tenant Forms

Always act quickly with tribunal forms, as deadlines apply.

How an Eviction Judgment Impacts Future Tenancies

If you apply for a new rental, landlords often check your credit. A past eviction judgment may appear, making it harder to secure a new apartment. However, providing evidence that you've repaid debts, or references from other landlords, can help rebuild your rental reputation. For additional insight, check out Understanding Rental Deposits: What Tenants Need to Know.

If you’re unsure how to approach a new rental after eviction, gather documentation, references, and proof of repayment—this demonstrates responsibility and can reassure potential landlords.

Legal Rights, Tenant Protections, and Resources

Ontario’s Residential Tenancies Act, 2006 outlines the legal process for evictions and tenant debt. The LTB is the official body managing these rulings. If you need more information about post-eviction issues, you can also visit Tenant Rights in Ontario.

If you are searching for a new home, Find rental homes across Canada on Houseme to compare available options and find a residence that suits your needs and budget.

Staying Informed and Proactive

Responding to a judgment quickly, reviewing your rights, and seeking reputable support can help minimize the long-term impacts of eviction on your credit. Education and responsible financial action are key to moving forward.

Frequently Asked Questions

1. How long does an eviction judgment stay on my credit report in Ontario?
   An eviction-related debt, once reported to a credit bureau, can appear on your report for up to 6 years from the date it was registered.
2. Can I still rent after an eviction judgment?
   Yes. While you may face more challenges, many landlords will consider your application if you've repaid your debts and can provide strong references.
3. What if the eviction judgment was an error?
   File a Request for Review (LTB Form S2) as soon as possible, providing supporting documents. If corrected, ask credit bureaus to update your file.
4. Will paying off my debt fully remove the eviction from my credit?
   No, but it will show as settled. Keeping documentation helps show future landlords your responsibility and honesty.
5. What legal protections do I have as a tenant after an eviction?
   The Residential Tenancies Act protects your rights during and after eviction. Consult with the LTB or community legal clinics for guidance.

Conclusion: Moving Forward After an Eviction Judgment

• Review your credit report and address any inaccuracies related to your eviction.
• Contact your previous landlord to pay arrears, arrange agreements, and request proof of payment.
• Use official LTB forms for appeals or reviews if mistakes occurred, staying aware of deadlines.

With proactive steps and the right support, tenants can recover after an eviction and rebuild a stronger financial foundation.

Need Help? Resources for Tenants

• Ontario Landlord and Tenant Board (LTB): File forms, review orders, and access tenant support resources.
• Ontario Ministry of Municipal Affairs and Housing: Tenant rights, complaint procedures, and legal information.
• Community Legal Education Ontario (CLEO): Free legal education guides for tenants.
• Contact local legal clinics or tenant advocacy groups for direct assistance.

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1. Residential Tenancies Act, 2006 (Government of Ontario)
2. Ontario Landlord and Tenant Board (LTB)

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