July 19th, 2010 
Camille asked:
ok my husband and i had to move out of are apartment because of safety reasons. it went to collection and originally i set up a agreement with the complex but they later told me i had to go to the collection agency to settle.i called the credit people and they said it shows the Original balance but it is zero out like i paid in full. but i didn’t pay anything. the debt man said i still owe them a 500 sure bond for it going to collection.that is also on my credit. he is going to email me a paper with the apartment complex information and debt and that it totals zero. i went and looked at apartments today and they said when i get that paper to not talk with anyone and to make copy’s and send it to the three main credit report systems and have the delete it off my credit and they have 30 days to do so. they said someone drooped the ball and it will get cleared with that paper unless they show proof that i didnt pay. but i didnt. they said it didnt matter if i have a paper from collections saying it zero balance that it proof to get it clear. how dose that usually work. i called the apartment complex and they said i still have a balance on my account but they dont have my file and arent sure what collection place dose. the man i spoke with said it looks like there taking it off the collection place were it was currently at and i still owe 500.00 to them because of there agreement for the sure bond. the ladys in the office said i need to type a later and get it stamped by the post office and it usaully coast 4-5 a letter to send .what should i do?and what dose this mean.
Herman
ok my husband and i had to move out of are apartment because of safety reasons. it went to collection and originally i set up a agreement with the complex but they later told me i had to go to the collection agency to settle.i called the credit people and they said it shows the Original balance but it is zero out like i paid in full. but i didn’t pay anything. the debt man said i still owe them a 500 sure bond for it going to collection.that is also on my credit. he is going to email me a paper with the apartment complex information and debt and that it totals zero. i went and looked at apartments today and they said when i get that paper to not talk with anyone and to make copy’s and send it to the three main credit report systems and have the delete it off my credit and they have 30 days to do so. they said someone drooped the ball and it will get cleared with that paper unless they show proof that i didnt pay. but i didnt. they said it didnt matter if i have a paper from collections saying it zero balance that it proof to get it clear. how dose that usually work. i called the apartment complex and they said i still have a balance on my account but they dont have my file and arent sure what collection place dose. the man i spoke with said it looks like there taking it off the collection place were it was currently at and i still owe 500.00 to them because of there agreement for the sure bond. the ladys in the office said i need to type a later and get it stamped by the post office and it usaully coast 4-5 a letter to send .what should i do?and what dose this mean.
Herman
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Peter
All the credit bureaus need do is to have the apartment management validate that you owe them $500, and it will stay on your credit report. The credit bureaus aren’t going to accept what you mail them. They will verify with the apartment management.