Credit notification for BS collections
So I've gone through the details of this saga on the old forums. Bottom line...
When we moved out of our old apartment in May 2017 we had everything professionally cleaned - everything looked great but we forgot to get pictures.
Weeks later the management tells us we owe $700 for damage to the carpet. They produce low quality photos that could be of any apartment and state incorrect information regarding our move out date. After a few back and forths with management they send it to collections. I dispute the charges with collections (including a few letters back and forth) - their 'verification of debt' was a photocopy of the first page of the lease and the bill I received from the complex. I sent a final letter early November reiterating that I disputing any charges and haven't heard anything since/
I checked my identity protection/credit monitoring service this morning and the $700 is showing up on all the credit reporting agencies.
I don't really know what to do now.
I have the money to pay it - that isn't an issue. It's more the principle that they shouldn't be allowed to get away with this, but I'm very concerned about my credit score. I checked credit karma and the collections account is showing up but it has only had a small impact on my score. I have no idea how I would go about getting the collections removed or anything at this point.
I would like to get it removed completely without paying. I'm also worried that if I do pay that is some sort of admission of responsibility and I won't be able to get it removed.
Any help/advice is greatly appreciated
Hey aurical !
I actually had something similar take place - it was a third-party utility provider that claimed I owed money for a service I never signed up for or agreed to have in my home. It went to collections and showed up on my credit report and took months to get resolved. I actually had to go through the middleman - so not my utility company or the debt collection agency, but the third-party provider.
Can your old property manager provide fees paid or receipts for damages they're supposing they comped? If they went through a third-party, do they have a report from them with the supposed damages?
These disputes can be long and tricky. If you'd rather just pay the amount due, look up Pay-For-Delete options.
I'm going to move this over to the Debt Management discussion thread to hopefully pick up traffic here. :)