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  1. If you don't mind my asking, how much did you owe, and did you pay the full amount? Sent from my iPhone using Tapatalk
  2. I could save up and PIF if I need to. The property management company hasn't tried to pursue me for it, and I even lived in another of their complexes for all of 2010, so I guess the CA probably owns it. I haven't tried to DV it yet because I don't want to be fresh in their minds until I know the best course of action. I paid a security deposit upon move-in, which I'm pretty sure went toward what we owed upon move-out. And yes, I received a full accounting of the damages but have moved a few times since then, including cross country twice, so I don't believe I still have it anywhere in my files. A little background on the situation: We moved into the apartment in Spring 2009 because the price was great and the apartment wasn't that bad, but we soon felt it was too small and wanted to move into a new complex the company had just built a little closer to my work. So we moved out in December, paying a month's rent extra to break the lease. We had an elderly female dog who had gone blind and deaf, and unfortunately she peed randomly on the carpet. (We soon had to have her put to sleep due to an enlarged heart and other issues). Although we shampooed the carpet each time she peed inside, and we left the apartment very clean when moving out, the manager decided to pull up a section of the carpet during final inspection and said it all had to be replaced again since it soaked through to the pad, so of course we had to pay for that. At the time, I guess I didn't care all that much about my credit. We moved into an apartment we loved, and I let it go to collections. Rarely did they ever really try to pursue it over the last few years. Now I'm about to turn 40 and have been actively working to rebuild my credit with the hopes of buying a house in a couple years, which is something I never expected to want to do. It's amazing how your thinking and priorities change as you grow older. TU says this collection is expected to stay on my reports until 12/16. It was placed for collection 4/9/10 and last updated 3/9/14.
  3. If this falls under written contract, which I assume it would, SOL is 6 years in Nevada.
  4. Hi, all. I've been following CB for a few months now and have made some major cleanups to all my reports thanks to the awesome advice here. Now I have just two baddies in each report, which I'd like to tackle somehow. One is a series of ten 30-day-lates in 2012 and 2013 on my American Honda Finance auto loan, and I've read many people say goodwill letters won't work with them, but here's the situation I feel sure I can clean up somehow, with your advice: I left an apartment in late 2009 to move to another complex from the same owners and ended up owing them $1443 for carpet replacement and leaving the lease early. In 2010, they turned it over to a local collection agency here in Vegas called Sentry Recovery & Collections, whom I've heard are real a-holes. They've tacked on fees bringing my total up to $1627 but have not tried to contact me for quite a while (March 2014 was the last time they updated my credit reports). I'm not completely convinced I should wake a sleeping dragon, but I'd love to see this collection disappear. Should I: A — Try to PFD with the CA for less than I owe? B — Try to pay the apartment complex either in full or a lesser amount *if* they'll clear up my record in whatever tenant tracking system they use AND ask the CA to delete the collection from my reports? C — Something else? Thanks for your help! Cory
  5. Since refinancing my car through DCU and doing a fair amount of cleanup work, mine went from 617 two months ago to 643 today. Sent from my iPhone using Tapatalk
  6. Thanks to seeing this thread last night, I got my first shopping-cart-trick popup ever and was approved for $750 at Overstock. Woohoo!
  7. I originally requested $5k for the heck of it, and they emailed me saying a decision had been made and to call back. They countered at $2500. I accepted it so now I'll have my first unsecured card that wasn't made specifically for rebuilding since 2005.
  8. Inspired by this thread, I decided to apply for a credit card through Western CU last night. I figured if they pulled EX, that was the best of my reports (with six positive trade lines and two baddies — an old collection and several 30-day lates on an auto loan a few years ago). Immediately, I received a message that it was sent for further review, so I emailed them my four most recent paystubs and awoke today to an email asking me to call them. The lady on the phone wanted to review some things on my credit report (like two auto loans, one of which simply hasn't yet reported as closed, some of my recent inquiries, and old addresses). She said they'd continue reviewing and would contact me later today or on Monday. Hopefully I get approved for something. It will be my first credit card in years, which would be nice to have instead of getting several secured ones right now. Thanks in advance (if it works).

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