Good morning! I am so excited I found this board...very helpful and useful information. I've read the guidelines and *hope* this is appropriate and will try to keep it short.
In August 2004 my husband (I didn't know him at the time) had to leave his apt complex due to a job transfer. They requested he pay one months rent b/c he didn't give them 30 days notice. He paid with a money order, but has no record of it. In November 2004 he received a letter indicating he owed one months rent + a cleaning fee. He had an attorney reply to the letter indicating he had paid the rent and did not receive his deposit back, therefore that could be used for the cleaning fee. He also requested additional itemized info if they were going to pursue it. He never heard anything and assumed it was not an issue.
Fast forward to Dec. 2007, we apply for a loan on a new vehicle and they alert us that a collection has been put on his CR in July 2007 for this debt. We were able to get the loan b/c it was through our Credit Union and they were understanding but advised we really need to get this resolved. So, I'm not sure what the best course of action is.
Of course, he does not feel he owes it, but does not have documentation to show he paid.
Do we dispute? (I've tried online via Equifax and their system is not working).
Do we try to do a PFD letter?
Do we do nothing? (We haven't received ANY correspondence from this CA).
We are going to try to purchase a new home in the next year or so and I have a CS of 760....his is 658. I don't want to be penalized for something that could possibly be resolved. All of his other information is really, really good.
Thanks in advance for any assistance you can provide.
