Credit Report question

[Fern]

Originally posted by: puffff
i was on month to month with my lease, so even if i could dig up my old lease, i dont know if i could prove anything. the best i could show was that all my other billing addresse changed, like where i sent my cc statements

oh man, this sucks.

Did you have a deposit on the house? If so, and you got it refunded or a letter from the landlord stating why it was not refunded - well, there's your proof that you moved.

Edit: Copies of a lease or rent payment etc on another house at a diff location may be also be proof taht you moved.

Tell'em to check out this thread 🙂

 

[manlymatt83]

Originally posted by: puffff

Originally posted by: Descartes
Do NOT just pay it off... yet. Send them a certified letter explaining your situation and tell them that you would like to satisfy the account in exchange for deleting the line on your report. If you pay the account now you will get a "Paid after collection" note on the account; worse, they'll update the date of last activity thus making it 7 years + 180 days before the negative is removed.

Make sure you are covered before you pay.

Negotiation should be done over mail and not over phone right? Or can I talk to them via phone and just make sure I have a letter outlining the final agreement at the end?

Stay off the phone with collections agencies. Get everything in writing from others.