Search the Community

I have been around this site for many moons. I was a member back when it started I think but recently stopped in to work on a few things and to see if I could find some advice on an issue. I moved in with a friend a few months ago from Florida to Southern California. He offered me a place to stay so I had no need for a credit check. Well few months later he's selling his house and I go looking for an apartment and out of nowhere I find 2 bad trade lines on my credit report both from past apartments. 1. The first is mine that I had given my ex the money to go pay when we moved out (I can see that never happened) and I am for sure going to pay the fees for moving out but have questions. Since its on my credit and I need this off ASAP to rent an apartment does anyone have any advice on how to pay this and have it updated as paid or removed right away? I will be homeless before 30-60 days is up for it to show and the last apartment I looked at said that a receipt will not work, it has to show on my report as being paid before they will accept me. 2. This apartment was not there last time I applied for an apartment (the one above) It shows an original balance of (example) $400 then says current balance $500. I did live at the place where the collection is from but I never had a late payment and when I left I did not owe them anything. The debt never showed up on my credit report until recently which is odd since I was there in 2008/9. I think maybe it was a debt from a tenant that got reported to me. Not sure but the issue is I need a place to live ASAP and was considering paying it just to make it go away and so I can get in to an apartment before my roommate kicks me out when the house sells. I am down to weeks if not days and freaking out. I have lost so much sleep over this I don't know where to start. I'm really upset that I can show them 20 years of perfect rental history never late once, I have 2 credit cards 3 and 4 years old perfect history with a 19% DTI, 3 student loans all current retired with guaranteed income and these 2 bad trade lines are stopping me from getting an apartment or any place that checks credit. Really really frustrating so if anyone can help me or point me in the right direction to get these off my credit ASAP it would be appreciated. Just paying them won't help me here that much.