I am trying to rent an apt and I just discovered through my credit report that the last place I rented from is claiming I owe them $2000. I do not owe them anything and I have to be out of my current residence in a week. Is there anything I can do short term that could help remove this so prospective landlords wont see this? I have never been evicted or had any type of problems.
You will need to go through the dispute procedures of the credit reporting agency that has the information you feel is in accurate. The reporting agency will contact the creditor to determine if they maintain that the record is accurate. However, this process can take a couple of months. If you think the landlord sent the information in error, a quicker remedy may be to get a letter from the landlord stating that you do not have a balance.
You will either have to dispute this with the credit reporting bureaus or have the landlord give you something in writing stating that the reporting is in error. This could take a while. If there is a substantive dispute, it could take a very long while to resolve, and the chances of the negative mark being removed lessen.
There are no quick solutions in repairing credit as the process involves time delays so that both parties can have their say.
Have you considered renting from a private party that doesn't look at your credit?
Hope this perspective helps!
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