Facing an eviction judgment in Ontario can leave tenants worried about their credit and their ability to find housing in the future. If you've received an eviction order from the Landlord and Tenant Board (LTB) and it's affecting your credit, there are effective steps you can take. This guide covers the essentials of credit repair after an eviction judgment for Ontario tenants, with clear tips, relevant forms, and links to official resources.

Understanding How Eviction Judgments Affect Your Credit

An eviction judgment is a formal decision by the Landlord and Tenant Board (LTB) in Ontario. This judgment doesn't appear directly on your credit report, but if the landlord is awarded money and the debt goes unpaid, it can be sent to collections or enforced in Small Claims Court, which will impact your credit score. It's typically the unpaid rent, utilities, or damages—if registered as a money judgment—that affects your credit, not the eviction itself.

What Shows Up on Your Credit Report?

• Judgments filed in court by your landlord for unpaid debts (rent, fees, utilities)
• Collections resulting from unpaid amounts after eviction
• Late payments if your landlord reports to a collection agency

Understanding these impacts is the first step in taking control of your financial recovery after an eviction judgment.

Ontario Forms and Steps: Addressing Debt After an Eviction

To repair your credit, you should address any outstanding debts attached to your eviction judgment. Here's what you may need to do:

LTB Form L9 (Application to Collect Rent a Former Tenant Owes)

If your landlord makes a claim for unpaid rent after you've moved out, they may file Form L9: Application to Collect Rent a Former Tenant Owes. This can result in an order against you for the amount owed. Access Form L9 – Landlord and Tenant Board Applications.

• When used: Landlord files if you owe rent after moving out.
• How it affects you: An order may be issued for unpaid rent, which could be collected through court enforcement. If unpaid, it could be reported to credit bureaus.

Enforcing a Judgment: Small Claims Court

If you owe money as a result of an LTB order, your landlord may file it with Ontario's Small Claims Court for enforcement. This is when it may start appearing on your credit report. If you receive court documents (like a garnishment order):

• Respond promptly: Missing deadlines may worsen your credit situation.
• Contact the court: Ask about payment plans or dispute options.

How to Repair Your Credit After an Eviction Judgment

Repairing your credit after an eviction can feel daunting, but with the right information and action, it’s possible to rebuild your financial standing. Here’s a practical approach:

• Pay Outstanding Debts: Contact the landlord or collection agency to pay off what you owe. Request a receipt and written confirmation after payment.
• Request Credit Report Updates: After paying the debt, ask the creditor to report the payment to the credit bureaus (Equifax Canada and TransUnion Canada). Check your report for accuracy.
• Monitor Your Credit: Obtain free copies of your credit reports and look for errors related to the eviction or judgment.
• Dispute Errors: If you find incorrect information, file a dispute with the credit bureau. Provide supporting documents such as receipts or court orders proving payment.
• Build Positive Credit: Make on-time payments on all credit accounts going forward.

This process can take time, but persistence pays off.

Finding a New Place to Rent After an Eviction

Once you start repairing your credit, you may be searching for a new place to live. Landlords may ask about your rental and credit history, so be prepared to explain your situation honestly and highlight steps you’ve taken to rebuild your credit. You can use resources like Canada's best rental listings platform to compare options and find your next home in Ontario or beyond.

Tips for Securing a New Rental

• Offer references from employers or past landlords
• Show proof of income or employment
• Explain the steps you've taken to address past rental issues

For more about moving on after eviction, explore Moving Out Tips: A Tenant's Guide to a Smooth Rental Exit.

Know Your Rights After Eviction in Ontario

Eviction judgments can be overwhelming, but Ontario tenants still have important rights. Review Tenant Rights in Ontario for clear details on what landlords can and cannot do under the Residential Tenancies Act, 2006¹. Understanding your rights can help you make empowered decisions through the eviction and credit recovery process.

FAQ: Ontario Tenant Credit Repair After Eviction Judgment

1. Does an eviction appear directly on my credit report in Ontario?
   Evictions themselves do not show up, but court judgments for unpaid rent or damages may be reported if a landlord files for enforcement through Small Claims Court or collections.
2. How can I remove an eviction-related debt from my credit report?
   After paying the debt, request written proof and ask the collection agency or creditor to update your file. If the entry remains, dispute it with the credit bureaus using supporting documents.
3. Can I rent again after an eviction judgment?
   Yes. Many tenants successfully rent again by providing references, proof of income, and showing how they've handled past debt or credit issues.
4. What if the landlord is claiming more money after I moved out?
   Your landlord may file an LTB Form L9 to pursue unpaid rent; you will receive notice and have an opportunity to respond or pay.
5. How long does a judgment stay on my credit file?
   Legal judgments can remain for 6–7 years from the date filed, unless paid—prompt repayment is key to credit recovery.

Summary: What Ontario Tenants Should Remember

• An eviction judgment may impact your credit if it results in a money judgment or is sent to collections.
• Paying outstanding debts, monitoring your credit, and promptly disputing errors are vital steps for credit repair.
• Know your rights with the Landlord and Tenant Board and the Residential Tenancies Act, 2006.

Taking action now sets you up for a successful future rental search and stronger financial health.

Need Help? Resources for Tenants

• Landlord and Tenant Board (LTB) Ontario: LTB website — for forms, applications, and guidance
• Ontario Ministry of Municipal Affairs and Housing: Renting in Ontario – Your Rights
• Ontario Legal Aid: For free or low-cost legal advice, visit Legal Aid Ontario
• Credit Reporting Agencies: Equifax Canada, TransUnion Canada

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1. Residential Tenancies Act, 2006 (Ontario Laws)
2. Landlord and Tenant Board (LTB)
3. Ontario Small Claims Court

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