Here's the situation. I moved out of an apartment complex in 95 and gave my notice and it was also at the end of the lease. The Apartment was clean and everything. I received my deposit in full. Walked away with no problems. Between 95 and 2000 I have rented with several complexes. 2001 I have a CA reporting me to 2 of the 3 CRA for $62 that the say I owe. I disputed these online and in writing with the CRA and guess what they came back verified. I contacted the CA and aske what the $62 was for. They said unpaid rent. BS!!!! Well I am trying to clean up my credit reports and told the CA that to make it easy on both parties I would pay $62 for deletion. The said NOPE. WE won't delete it just show it paid. I said NOPE! Fine, it is schedule to come off my credit report in 10 months anyway. That will be the end of the 7 years. She said no that because I called in to them reguarding the debt that it would be on there for 7 more years from the date I called. HMMMM Could that be re-aging??? Needless to say No deletion no monies from me. I thought about going through the original creditor(Apartment Complex or the company that owned them) but the are no longer in business. If I had the CA validate the $62 how could they prove it was mine. Should I wait it out and not mess with this CA and wait for it to fall off my report. or should I persue this? what would be my first line af action. I need your advice creditnetters leencaci
Send validation letters to the CA. Demand validation don't offer payment. Forget the 10 months! Within 60 days (validation and estopple) you can file suit and within another 30-60 days you can make money off this CA who threatened to re-age accounts for your call. Also, do you have information (copy of check/deposit slip) that would show they returned your security deposit? If so, no landlord could prove you owe the $62 debt for an unpaid bill AFTER returning in full your security deposit...that is what a security deposit for. Therefore no validation from this CA is EVER possible. You win every way. -Peace, Dave
I dont have the deposit slip or the check stub from when I got that back. I failed to keep records like that in my younger days. I guess we all learn.
There still (more than likely) can be no validation. Send validation...then estopple...then file suit. -Peace, Dave
I swear, these freaking CA's. I can't believe that she told you a phone call was re-aging. <Sigh>. I just don't get these manipulative and mean people who have total disregard for the law. Word to the wise...don't ever talk to them again. Make the validate, estoppel and then threaten to take them to court. It's the only way.
"You think your going to get $62.00 out of me with NO proof, I don't think so, DON'T FORGET VIOLATIONS COST $1,000.00 EACH"
HERE IS WHAT I LEARNED ABOUT THIS: 1*Never throw away anything that you know you need. 2*Never throw anything away that you don't think you will need.
