How does a credit dispute work?
My husband and I moved into an apartment and we lived there for 18 months. Our first lease, my mother in law had to co-sign. That lease expired after 6 months and we signed another lease for a year by ourselves. About 3 months after that, another leasing company bought the apartment complex. After we moved out, we received a letter from the new lease company demanding $2400 in damages to the apartment. The damages included new carpet, paint, new locks, and cleaning. The carpet was worn and statined when we moved in. We did nothing to the walls that would require repainting. We didn't even hang photos on the wall. I have disputed this on my credit report. There is no way for them to prove that me and my husband did any damage because they did not see the state of the apartment when we moved in. On the same token, we cannot prove that we did not. They have also place this on my mother in laws credit report. She was not on the lease when we moved out. Any hope in resolving this? Thanks
Public Comments
- When you get your credit report there is a form you can fill out to dispute it. Let them know the situation as to why it should not be on your report. This form will be sent out to the leasing co. They then have 30 days to dispute it. If they don't then it gets taken off automatically. If they do counter you, then you can write a letter explaining the situation and have it attached on to your credit report. Unfornately it will stay on for 7 years. I hope that helps.
- Your key is have new co. show you the contract you have signed with them. Take them to the small claim in local Court House. Also, Call or write to BBB stating you have been abused by this co...see what happened. Hate to tell you, even you won the case, the credit scores are very hard to remove them. There are 4 (one more) total large credit bureaus...you need to clean each one of them, they aren't going to work together for you... A friend of mine had same thing happened to them...there are nothing they could do to clean it up...it is so sad but government should take over the dirty apart business.
- attorney
- the way credit dispute works is you call the credit card company and tell them the charge was unauthrozid --------------------------------------------- http://www.bestcreditrates.net
- ok but SHE WAS on the lease to begin with and once she was for even one day she is also a part of this.The ONLY way to resolve this is to sue the new owners incourt and make them PROVE you did what they say....however keep in mind they will say the rent was in perfect condition,....and as such, it will be hard to win....butif you do win, then take the court findings to the credit bureau and they will have to take that into account and remove the bad comments
