{"id":19214,"date":"2022-11-15T13:35:52","date_gmt":"2022-11-15T19:35:52","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=19214"},"modified":"2024-05-06T13:48:51","modified_gmt":"2024-05-06T19:48:51","slug":"does-breaking-a-lease-hurt-your-credit","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/does-breaking-a-lease-hurt-your-credit.html","title":{"rendered":"Does breaking a lease hurt your credit?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"937\" height=\"313\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2022\/11\/image-16.png\" alt=\"\" class=\"wp-image-19217\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2022\/11\/image-16.png 937w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2022\/11\/image-16-768x257.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<div class=\"quick-answer\">\n<h2>Breaking a lease won\u2019t hurt your credit if all debts are paid. However, if you leave debts unpaid, breaking your lease early can cause your credit to take a hit.<\/h2>\n<\/div>\n\n\n\n<p>Breaking a lease is relatively common and can happen for a number of reasons. Oftentimes, a new job can require you to move midway through a lease. Other times, personal issues arise that can force you to cut your lease short.<\/p>\n\n\n\n<p>As a result, it\u2019s rather common for tenants to leave leases early, and it doesn\u2019t make you a bad or unreliable tenant if you must. However, landlords will still expect full payment for the entire lease term, even if you\u2019re moving out months in advance.<\/p>\n\n\n\n<p>If you do have to your break your lease, it\u2019s crucial you\u2019re not indebted to your landlord. When tenants owe landlords money, landlords will sometimes hire collection agencies to collect debts, introducing a whole new set of problems\u2014one of which can be a hit to your credit score.<\/p>\n\n\n\n<p>Maintaining <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-a-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">a good credit score<\/a> is important for a number of reasons. A good credit score can:<\/p>\n\n\n\n<ul><li>Give you more housing options<\/li><li>Help you qualify for low-interest credit cards<\/li><li>Save on insurance<\/li><li>Make you a stronger job candidate<\/li><\/ul>\n\n\n\n<p>Your credit score follows you around wherever you go. Therefore, when your score goes down, it can be a tremendous setback\u2014and can take you years to reconcile.<\/p>\n\n\n\n<p>As a result, protecting your credit is one of the most important things you can do\u2014and breaking a lease shouldn\u2019t have to jeopardize it . Keep reading as we explain how breaking a lease early can affect your credit and ways you can break a lease while protecting your credit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-breaking-a-lease-early-affect-your-credit\">Does breaking a lease early affect your credit?<\/h2>\n\n\n\n<p>Breaking a lease doesn\u2019t directly show up on your <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-a-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">credit report<\/a>, but the consequences of breaking a lease, if you\u2019re indebted to your landlord, can have compounding effects that sometimes result in a knock to your credit.<\/p>\n\n\n\n<p>If you leave debts unpaid after breaking your lease, your landlord will likely use a collection agency to reclaim your debts. Your landlord probably won\u2019t report the debt to a credit bureau, but the collection agency likely will.<\/p>\n\n\n\n<p>If this happens, your credit will suffer, which can greatly affect you down the road.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ways-breaking-your-lease-can-hurt-your-credit\">Ways breaking your lease can hurt your credit<\/h2>\n\n\n\n<p>Like we said, breaking your lease doesn\u2019t directly affect your credit, but the fallout often can. If you break a lease and don\u2019t pay outstanding debts, your landlord may handle it in a couple different ways. A few possibilities include:<\/p>\n\n\n\n<ul><li><strong>Your landlord may involve a collection agency: <\/strong>As we mentioned earlier, a landlord will sometimes bring in a debt collector if you don\u2019t pay your remaining rent. If this occurs. the collection agency will likely report you to a credit bureau.<\/li><li><strong>You may have trouble renting again: <\/strong>If your credit takes a hit, it will likely affect your ability to rent in the future. A 620 or higher is the usual <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/credit-score-apartment.html\" target=\"_blank\" rel=\"noreferrer noopener\">score needed to rent an apartment<\/a>. Most landlords run credit checks prior to renting to a tenant.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-break-a-lease-and-protect-your-credit\">How to break a lease and protect your credit<\/h2>\n\n\n\n<p>The lesson here is that it\u2019s best to proceed with caution when breaking your lease. Use our tips below to ensure you leave your lease with peace of mind.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"808\" height=\"887\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2022\/11\/image-18.png\" alt=\"\" class=\"wp-image-19220\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2022\/11\/image-18.png 808w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2022\/11\/image-18-768x843.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-review-the-lease-contract\">Review the lease contract<\/h3>\n\n\n\n<p>Knowing your rights as a tenant is the first matter to address when breaking a lease\u2014and the lease contract is the place to start. Sometimes, the contract will give you an easy out, like paying a small fee or allowing subletting. However, it\u2019s pivotal you review the intricacies of the contract before beginning the process of breaking the lease, so as to be aware of your rights as a tenant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-be-transparent-with-your-landlord\">Be transparent with your landlord<\/h3>\n\n\n\n<p>Having a one-on-one conversation with your landlord is a must if you plan on breaking your lease. If you\u2019re transparent with your landlord about why you&#8217;re breaking the lease, they\u2019ll most likely work with you to reach a solution that benefits everyone.&nbsp;<\/p>\n\n\n\n<p>Keeping your landlord in the loop is a great way to create a line of communication and ensure they don\u2019t take any negative action against you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-look-for-a-subletter\">Look for a subletter<\/h3>\n\n\n\n<p>Subletting isn\u2019t allowed in all lease contracts, but if it is, it can give you peace of mind in breaking your lease. Subletting, by definition, means finding someone else to <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/lease-takeover.html\" target=\"_blank\" rel=\"noreferrer noopener\">take over the remainder of your lease<\/a>. If you elect to sublet, it\u2019s essential to check with your landlord first to ensure them you\u2019re subletting to a reliable tenant.<\/p>\n\n\n\n<p>Since your name will remain on the lease, you\u2019ll ultimately be responsible for any issues with the subletter. As a result, it\u2019s important to screen whoever is taking over the remainder of the lease.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pay-outstanding-rent-up-front\">Pay outstanding rent up-front<\/h3>\n\n\n\n<p>If you\u2019re able, paying your outstanding rent balance at the time you break the lease is typically a foolproof way to ensure the landlord doesn\u2019t take any negative action against you.<\/p>\n\n\n\n<p>While there may be more intricacies within the lease agreement when it comes to breaking the lease, settling outstanding debts eliminates the possibility of the landlord bringing a collection agency into the picture. And in almost all cases, disputes over breaking a lease boil down to outstanding debts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-situations-when-you-can-break-a-lease-without-repercussions\">Situations when you can break a lease without repercussions<\/h2>\n\n\n\n<p>There are certain situations where tenants are protected by law when breaking a lease; therefore, it\u2019s essential to know when you can break a lease without repercussions. The examples below vary from state to state and can require that some specific notifications are made to the owner of the property before exercising your right to break the lease. It is important to know your responsibilities under your state law before breaking your lease.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"838\" height=\"779\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2022\/11\/image-17.png\" alt=\"\" class=\"wp-image-19219\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2022\/11\/image-17.png 838w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2022\/11\/image-17-768x714.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<ul><li><strong>The unit is uninhabitable\/doesn\u2019t comply with housing codes: <\/strong>If you believe that your residency isn\u2019t complying with health codes, look into state laws to confirm your suspicion. States have certain health codes that rental units have to adhere to. If your rental isn\u2019t complying, you can terminate your lease without repercussion.<\/li><li><strong>Tenant rights were violated: <\/strong>While some tenant rights differ from state to state, federal rights like anti-discrimination laws, privacy laws and the right to a habitable home protect tenants on the national level.<\/li><li><strong>You\u2019re active military: <\/strong>Tenants who are active duty military can break a lease without repercussions. The <a href=\"https:\/\/www.justice.gov\/servicemembers\/servicemembers-civil-relief-act-scra\" target=\"_blank\" rel=\"noreferrer noopener\">Servicemember\u2019s Civil Relief Act<\/a> allows military members to break leases due to their service.<\/li><li><strong>Breach of quiet enjoyment was violated: <\/strong>The <a href=\"https:\/\/www.law.cornell.edu\/wex\/covenant_of_quiet_enjoyment\" target=\"_blank\" rel=\"noreferrer noopener\">Covenant of Quiet Enjoyment<\/a> guarantees that the tenant will get a peaceful environment. This is implied in lease agreements and, if violated, allows you to break a lease without repercussion.<\/li><li><strong>The lease has a termination clause: <\/strong>Some leases include a termination clause that just involves paying a small fee. Make sure you review the lease contract before telling your landlord that you\u2019re breaking the lease to see if a termination clause is included.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions\">Frequently asked questions<\/h2>\n\n\n\n<p>Navigating the legalities of a lease contract can be difficult for tenants. As a result, other questions often arise when breaking a lease. Some common questions tend to be:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-long-does-a-broken-lease-stay-on-your-credit-report\">How long does a broken lease stay on your credit report?<\/h3>\n\n\n\n<p>The broken lease itself will not appear on your credit report, but any unpaid rent or other fees can stay on your credit report for up to seven years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-does-paying-rent-build-credit\">Does paying rent build credit?<\/h3>\n\n\n\n<p>Paying rent won\u2019t build credit unless you report your payments to a credit bureau each month. In order to do this, you\u2019ll need to sign up for a subscription service that reports rent payments for you. Your landlord will also need to sign up for the subscription in order to receive the payments through the service.<\/p>\n\n\n\n<p>Keep in mind that it may be unlikely that your landlord will want to participate in this system, since they likely have their own system for collecting rent payments.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html\" target=\"_blank\" rel=\"noreferrer noopener\">Rent-to-own<\/a>, which involves renting a home with the intent to purchase it at the end of the lease contract, does not directly affect your credit either. Unlike mortgage payments, rent-to-own payments are not reported to credit bureaus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-can-you-get-debts-from-breaking-a-lease-removed-from-your-credit-report\">Can you get debts from breaking a lease removed from your credit report?<\/h3>\n\n\n\n<p>In general, no. Unless the debt is truly inaccurate, it\u2019ll remain on your report for seven years.<\/p>\n\n\n\n<p>However, if you pay the debt after the judgment is already added to your credit report, you can work with the creditor to have the debt marked as \u201cpaid\u201d instead of \u201copen\u201d on your report. This can improve creditworthiness and give you a better chance of receiving loans and renting in the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-leave-your-lease-with-peace-of-mind\">Leave your lease with peace of mind<\/h2>\n\n\n\n<p>When you break a lease, it\u2019s best to leave no shadow of a doubt that your credit will be protected. Whether this means having a candid conversation with your landlord, paying your outstanding rent amount or finding a subletter, there are best practices you can put into action to avoid having to <a href=\"https:\/\/www.lexingtonlaw.com\/education\/how-to-fix-credit\" target=\"_blank\" rel=\"noreferrer noopener\">fix poor credit<\/a> down the road.<\/p>\n\n\n\n<p>Finding ways to fix your credit can be difficult, and often requires the help of a professional. Lexington Law\u2019s <a href=\"https:\/\/www.lexingtonlaw.com\/our-services\" target=\"_blank\" rel=\"noreferrer noopener\">credit repair services<\/a> could help you get back on track. Get a <a href=\"https:\/\/www.lexingtonlaw.com\/credit-snapshot\/pi\" target=\"_blank\" rel=\"noreferrer noopener\">free credit assessment<\/a> today.<\/p>\n\n\n\n<p><strong><em><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Note<\/a><\/em><\/strong><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\"><strong><em>:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Breaking a lease doesn\u2019t show up on a credit report, but it can affect your credit in other ways. Learn how to break a lease without hurting your credit.<\/p>\n","protected":false},"author":63,"featured_media":19215,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Breaking a Lease Hurt Your Credit? | Lexington Law<\/title>\n<meta name=\"description\" content=\"Breaking a lease doesn\u2019t show up on a credit report, but it can affect your credit in other ways. Learn how to break a lease without hurting your credit.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/does-breaking-a-lease-hurt-your-credit.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does breaking a lease hurt your credit?\" \/>\n<meta property=\"og:description\" content=\"Breaking a lease doesn\u2019t show up on a credit report, but it can affect your credit in other ways. 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