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Wiza
Total Newbie
Joined: 14 Apr 2004
Posts: 38
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 Posted: 06/04/05 - 14:58 Post subject: Credit Question
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I remember reading awhile back some good info that people had re: credit. I had a situation present itself to me in March of this year, where my old landlord for the apt. I lived in in 2003-4 was supposed to take the electric bill out of my name (or the new tenant that moved in, depending on how quickly a replacement was found).
This was no big deal to me at the time, first since that's what I did when I moved in, and second because she was a very intelligent woman that owned tons of properties, and in general was a great landlord. She asked that I not cancel the service, but that she'd call and switch it to her name so if she had ot show the place at night she could turn the lights on. No problem.
This was in Feb of 2004 when I moved out. I got a call a few months ago from the electric company about a termination of service at my old apartment. Apparantly, no one swtiched it out of my name, nor paid the bill for the past year. The last paid-in-full balance was the last month I lived there. There was an outstanding bill of ~$230.00 for continued use of the service.
I've since talked to my landlord and she got the payment taken care of an apologized repeatedly for the oversight. The kid who took over after me was supposed to call and switch it to him (it's the only bill you pay there aside from rent, so I doubt he just forgot...), but since no bills were coming to my landlord, she had no idea he never changed the service to his name.
Anyways, I checked my credit report today, and of course, there it is. ~8 months of deliquent payments. Since this wasn't just me being an idiot and not paying, but rather was someone else's fault... how do I go about getting this expunged from my credit record?
I can probalby find records of my old lease, have my new leases, my last paid bills w/ my check on them, and can get a statement from my old landlord that I no longer lived there. Who would I send this to?
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Spiritz
RealPoor Sensei
Joined: 11 Oct 2002
Posts: 1969
Location: Huntington Beach, CA
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Posted: 06/04/05 - 15:53 Post subject:
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I think it might be an issue of you being an idiot and not getting it out of your name yourself. I'm not trying to be an ass here but you should never leave that shit up to other people.
There is a site I read all the time, best source of information I've ever found. If something isn't already posted that deals with a situation like yours, then you can post and I'm sure someone there will have an answer for you.
http://www.artofcredit.com/board/
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gotissues68
RealPoor Sensei
Joined: 21 Aug 2003
Posts: 1866
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Posted: 06/04/05 - 16:28 Post subject:
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Sounds like your landlord is a stand up lady. So I'd have her write a letter to the power company explaining the mistake. Then you can dispute the bad credit with the reporting agencies (transunion, experian and equifax) they'll go to the power company to verify the debt and what not and the power company will explain it was a mistake and it'll be removed from your reports.
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Wiza
Total Newbie
Joined: 14 Apr 2004
Posts: 38
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Posted: 06/05/05 - 21:13 Post subject: Thanks
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Spiritz, I don't necessarily disagree w/ the idiot part, I usually don't trust anyone in those situations. But, it is a stipulation of living in that building, you pay rent + electric, so I figured whoever moved in would switch it.
20/20 hindsight.
Thanks for info and I will check out that board in the link.
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