Long story short: I live in Southern California, and I pay ~$2600 per month on rent, plus trash/sewer/hot water which gets added to my rent and paid for. I paid for this with an automatic payment that paid up to 2700/month. That 2700 should have been higher, but I forgot to change this when my rent increased from ~2400.
My account with the landlord corporation is paid in full, and had been a week prior to my discovery of the credit report. It seems that my account had a balance due of ~$50 for the month of January. I got a notification from Credit Karma that my score had dropped immensely, by 150 points to be exact, and it was reported to Transunion as a 30+ days missed payment. This really sucks because I was just trying to finance a car, and I now *really* want to move, and my now terrible credit score makes both of those things either hard or impossible.
I wrote the landlord corp an email and got a canned response saying “they report all balances to agencies” and not at all answering my question. When I spoke to an account representative with them, they said there is nothing they can do other than file a dispute with Transunion. I did this, and I received a note from the landlord corporation saying “After reviewing your account, we see no errors in the information that was reported”, and this was quickly followed by a note from Transunion that they closed the dispute and ruled in the landlord’s favor.
There is at least one thing that is factually incorrect about the credit report that they seem to be refusing to acknowledge. The report claims say they collect ~$2600 in rent and have an outstanding balance over 30 days of by ~50 dollars. In actuality, I did pay more than my rent that month ($2700), but not more than the rent combined utilities, which have a total combined rate exceeding ~$2600. So either the amount they charged is incorrect or the amount I underpaid by is incorrect.
I think the main reason I am posting here is to ask… Is anything I can do? Would a lawyer help? Or should I just buckle in and get ready to be financially fucked for the next 7 years over a $50 underpayment on $2,600 in rent. Honestly I feel pretty powerless and frankly framed at the moment.
May not want to use the term “spit-roasting” in everyday conversation. May give people the wrong impression unless you’re into that sort of thing.
Did you basically not authorize your account to pay anything over $2700 and that month’s bill was > $2700? If so, then you’re at fault and it sounds legit for them to do this, unfortunately.
Unless I’m missing something from your description.
And as the other poster said, try politely asking them for removal of it. And then being conscientious on your payments in the future. Your credit score will go back up soon.
And anyway, your credit score is only important at the moments when you apply for a mortgage, car loan, etc. You sound a bit overblowing it / letting it get to you, to be thinking of getting a lawyer involved. Keep in mind, your credit score isn’t a daily measure of your worth as a person that you check on a website — you can choose not to feel so bad about it. It’s a tool, just use it and forget about it.
>I forgot to change this when my rent increased from ~2400.
It’s hard to see what part of that is your landlord’s fault.
Call. Admit your mistake. Pay what you owe and ask for mercy.
Sing your mea culpa and see if the landlord will remove the mark. They have the power to do that. They may not know how to do it but they can do it.
Call back and ask for a manager. Ask them to remove the report due to good payment history and a one time mistake. That’s pretty much all you can do.
And check your accounts moving forward to make sure things are properly paid. It’s mid march and you just realized you hadn’t fully paid your rent for December or January and only by getting a credit report alert?
Although you paid $2700 total for what you owed in January, they probably took the full amount for trash/sewer/hot water and had the rent shorted by $50 because it’s easier for those utilities to be paid in full and you short on rent than the other way around. So technically reporting you for being short on $2600 rent is correct.
You didn’t pay what you owed and got reported to credit bureaus. Not surprised your credit score dropped because of that.
Pay the money you owe. Your credit score will increase.
Yeah you got spit roasted real good.
Buy some puts on your Land load corporation.
>Or should I just buckle in and get ready to be financially fucked for the next 7 years over a $50 underpayment on $2,600 in rent.
Your FICO score has no bearing whatsoever on the state of your finances. Want to buy a car? Pay cash for it. Want to buy a Home? Banks really only care about DTI.
You’re way overblowing the significance of this.
Landlords can do that? I am a landlord myself and I was unaware of that. I primarily rent to section 8 and hired someone to deal with tenants and bills
Report the landlord company and transunion to the BBB, and let the BBB know you want them to reach out to you about your report. Let them know you want to resolve it without any credit issues. The businesses will reach out to you, they don’t want negative reports from the BBB. Resolving a BBB report is more important to them them your 50.
We’ll I wouldn’t look up spit roasting. You’ll get a very different explanation (video) then what the OP is describing.
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