Hi all, this is my very first post here and I really need help, please! My husband and I are trying to buy a home but cannot get pre-approved for a loan. Among several reasons is a debt of $1608.00 that I owe to an apartment complex that I lived in seven years ago. Here's the catch - I should NOT owe them ANY MONEY. I lived in the complex with my (now ex) fiance for about a year, and we signed a lease there together. When we broke up, I signed a roommate release and moved out, and he stayed on the lease and continued to live there. Until I signed the paper our rental history was current.
I just got my credit report back today and it was listed on there. I actually went to the apartment complex and they told me that they had just shredded all files prior to 2005 back in February (I signed the release in 2003). So nobody has a copy of my roommate release. Now I have to dispute the claim.
Here are my questions:
1. How do I find out what collection agency I need to contact?
2. What type of evidence do I need to successfully dispute the claim?
Thanks in advance!