Need help on getting something deleted off my credit report!

Discussion in 'Credit Talk' started by flygirl2, Oct 5, 2016.

  1. flygirl2

    flygirl2 New Member

    Help! I moved out of an apartment a few years ago before my lease expired. I gave them notice that I could not pay my rent and longer and that they could keep my last months rent and deposit. Now it appears on my credit report that I owe $5,000!!!! I want it DELETED from my report and even offered to pay it to have it deleted but they say it's against company policy and against the law. Any advice???
  2. jam237

    jam237 Well-Known Member

    Is the entry under the OC or a CA?

    If it's under the OC the policy can be what they want, while it is not against the law, the law doesn't prohibit them from lying as to what the law is.

    If it is under a CA, the law prohibits lying to collect a debt.

    Did you demand validation of the debt? That would hopefully find the basis of the $5,000 claim.
  3. flygirl2

    flygirl2 New Member

    I have no idea what the OC or CA is. I am so lost with all of this! They told me what the charges were for:

    Two months of rent and cleaning fees.

    I had made an agreement with the apartment complex that they could keep my security deposit and last months rent so there should be no rent in collections. As far as the cleaning fee goes I did not think I left it dirty but would have been willing to pay for that and have the rug replaced.
  4. jam237

    jam237 Well-Known Member

    OC would be the management company/landlord.

    CA would be anyone else collecting for them.

    Telling you what they say it is for is different than proving it.

    The OC wouldn't have to provide proof, but a CA would. But you surely can ask them to prove that the amount is correct, especially if it is on your credit report.
  5. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    I'm sorry to hear about your situation flygirl. You're not alone. This happens to people all the time when they break a lease and think they've solidified a deal with their landlord. Then, much to their surprise, a collection shows up on their credit reports.

    My guess is you're probably dealing with a CA (Collections Agency) at this point. Once you confirm that, you definitely need to request validation of the debt. And as jam mentioned, it's not against the law to accept a pay for delete. You can definitely negotiate that if you get to the right person who is willing to work with you.

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