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Where to start?

Established Contributor

Re: Where to start?

With apartments if they sent it to collections, they have to validate the debt which means you can call and asked for validation.  That collection agency should have a copy of lease agreement with signature from both parties and the itemize deduction sheet which will show security deposits, cleanup fees, etc..  If not  then you can dispute.  Looks like your SOL is 6 years for written contracts.  Dont do nothing else till you get a response. 


Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 668, 680 as of 11/12/13 lender pull
Current Transunion Score: previous 675,677 as of 09/23/13
Goal Score: 750

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Message 21 of 23
Established Contributor

Re: Where to start?

 Regardless if one is on deferment, forebearance or ICR, the interest racks up on student loans.  Can you get on the ICR payment plan?


Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 668, 680 as of 11/12/13 lender pull
Current Transunion Score: previous 675,677 as of 09/23/13
Goal Score: 750

Take the FICO Fitness Challenge



Message 22 of 23
Established Contributor

Re: Where to start?

Oh I thought the apartment was in Georgia based off of the collection agency.  So SOL is 4 years.  So you are under Texas Property Codes Chapter 92.  Just get a debt validation response and go from there.


Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 668, 680 as of 11/12/13 lender pull
Current Transunion Score: previous 675,677 as of 09/23/13
Goal Score: 750

Take the FICO Fitness Challenge



Message 23 of 23