If I was never notified ofa debt, how do I getit off of my credit report?
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If I was never notified ofa debt, how do I getit off of my credit report?
I checked my credit report and saw there is an item that went to collection from an old apartment complex I lived at. I moved out a year ago. I never received notification of any amount due from the apartment (I left my phone number and forwarding address). I never received notice of any amount due from this collection agency either. I don’t even know what the bill is for. Is the only way to get this off my credit report to pay the entire amount that I owe?
Asked on December 12, 2011 under Bankruptcy Law, Nevada
Answers:
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 12 years ago | Contributor
Possibly the best way to get the debt off of your credit report is for you to contact your former landlord to inquire what it is for. Perhaps there is some mistake regarding its reporting. If there is a mistake, then maybe the former landlord will write a letter on your behalf to the credit reporting agency so you can submit it to clear the blemish on your report.
If you owe a claimed obligation, then contacting the landord to clear it up and make a payment for it could result in a release and or a full satisfaction of any judgment that might be against you. If that happens, then you might be able to get the blemish off of your credit report. Another option would be to retain a credit repair company to assist you.
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