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  1. Long time lurker, first time poster. I worked on rebuilding my credit for years and this board was so helpful to me. I didn't post, but I read a lot. So now I come to you for help. My son and his girl friend rent an apt and I co-sign. They move out at the end of their lease and the apartment says they owe $1300 due to not giving 60 days notice. I talked to an attorney that specializes in tenant/LL disputes and he said it was probably legal under the law in my state. So I try to work it out with the apartment company, but they were very hard to get in touch with. They promised that a supervisor was supposed to call back, but that call never came. Fast forward to collection letter from National Credit Systems of Atlanta, GA. I reached out to my old credit repair guy that helped me get rid of a bunch of JDB back in the day and he did a DV. The CA sent a copy of the lease and the last invoice. But, neither of them had my name or even a reference to me on it. The OC is very disorganized and they probably lost my co-signer paperwork, as I was not on the lease. What made me mad was the CA used the words " Your dispute has been investigated; however, we have yet to find sufficient evidence to validate your claim(s)." And attached paperwork without my name anywhere on it! It hits the big 3 CRA yesterday. So I immediately dispute each one and upload a copy of the DV letter with the lease and final bill and state that it is clearly not my debt. So my question to the group is what else should I do. The CA ignored my letters challenging the debt, the apartment company won't talk to me, and I have challenged the CRA TL. Is there anything else I should do?
  2. Thanks for the insight. I honestly was surprised that I got preapproved so quickly, after such a long uphill battle to rebuild my credit, I expected a fight. I won't use the card, until I buy a bottle of champaign after closing day :-)
  3. I am a long time lurker, I have a question. I was preapproved for a mortagage last week, that's the good news. Honestly, I didn't expect to be this far along in the home buying process, but found a house and they took the first offer, so here I am. About a month ago I recieved a preapproved card offer from Citi. I took it because Citi was one of my baddies that just fell off my credit report (it felt like good karma). However, it just reported to the CRA's after the mortgage company ran my credit. So, here's my question, will having a new credit card ($9600 limit, my biggest so far) hurt me on my mortgage journey? I don't plan to use it, in fact I am trying to keep my usage very low on my cards right now. Needless to say, I don't have any other big purchases or new cards planned until I get the mortgage. Even thought I don't post much, this forum has been invaluable to me on my credit repair journey I started 3 plus years ago. Started at a 586 and now at 780 FAKO. I really can't thank everyone here enough.

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