Keep all records for anything you pay for the apartment. Do not pay anything in cash. If you can prove that you paid the amount off, it will have to be removed from your CR. It is probably not lying on their part so much as it is laziness and not updating to the CRAs. You can dispute with CRAs and prove that you made all these payments and that total amount owed is 'this amount'. This will force the collection company to update the amount owed with the CRA.
An increased credit card limit of $11000 will definitely help with your overall utilization as long as your friend keeps his utilization low. If he has large amount charged on his cards, then it is not likely to help at all. I guess you will see when the CRs come out. It might also take a month or two to show up on your report. Depends on how quickly they report to the CRAs. I find EQ is also slower than EX and TU at updating new information.
Thank you so much for your help! If you don’t mind, i want to keep you updated on everything whenever it changes, like my credit score and whatnot. I want you to see that I am going to start a budget. No more eating out, no more ordering food and buying unnecessary things. Strictly saving and paying off the apartment. I’m pushing the managers and supervisors at work, that I need more hours. And I hope that since my score is so low, it’ll do a very huge jump from these things I’m doing. We will see! I’ll keep you posted here. Or if this site has a way of adding people as a friend, that’d be cool. Let me know!
I sent you a PM. You can keep me updated to when you post through the PM feature
Best advice is to keep on keeping on and look forward. Stick to your budget. Don't let family or friends derail your plan. The past collections/mistakes etc. are done and it's sometimes easy to fall into a depression when we start to think of the past. Can't change that. I have been paying and paying on past mistakes for a year now and it's finally coming to an end for me. I've been served court papers on debt (in what I call now my "former life" as I'm a different person today) and went to court with my chin up and walked away with a payment plan and no court judgement.
You, too, can do this. Especially with all of the helpful folks here in the forum. Ask anything and you will get some response....
Here's to your new life.....take care.