leviathan860
Member
What is the name of your state (only U.S. law)? Illinois
I have a two-part question. I lived in an apartment until January of 2008 and just within the last week my former landlord put a negative action on my credit report. I received 1-2 letters 2 years ago asking for money but that was the only contact. The first part of my question is they also put a negative action on my dad's credit report and my dad did not even sign the lease. They ran both of our credits and he offered to sign the lease but my credit was good enough so he never SIGNED. Obviously he is not liable for this debt even if I owe it.
The second part is the money they want is for cleaning. It's not black and white like rent, it's more subjective. I believe I cleaned the apartment really well. They claim I didn't. I think they just want money. I'm wondering what me and my dad can do other than dispute this on my credit report. I've never had bad credit or disputed an item so I don't know how it all works or what kind of "proof" the landlord needs to show. All I know is a lot of people complain about how inaccurate their credit reports are so I don't have a lot of faith they will remove this negative item.
I have a two-part question. I lived in an apartment until January of 2008 and just within the last week my former landlord put a negative action on my credit report. I received 1-2 letters 2 years ago asking for money but that was the only contact. The first part of my question is they also put a negative action on my dad's credit report and my dad did not even sign the lease. They ran both of our credits and he offered to sign the lease but my credit was good enough so he never SIGNED. Obviously he is not liable for this debt even if I owe it.
The second part is the money they want is for cleaning. It's not black and white like rent, it's more subjective. I believe I cleaned the apartment really well. They claim I didn't. I think they just want money. I'm wondering what me and my dad can do other than dispute this on my credit report. I've never had bad credit or disputed an item so I don't know how it all works or what kind of "proof" the landlord needs to show. All I know is a lot of people complain about how inaccurate their credit reports are so I don't have a lot of faith they will remove this negative item.