I went through this credit repair journey with success, mostly thanks to this board. I bought a home a year and a half ago!
Last month, a new collection appeared on my credit report.
My former landlord kept my deposit of $950, charged me another $1600 for damages, and sent me to collections.
I didn't get notice of the debt, from either the landlord or the collection agency. The landlord may have sent me certified mail, but when I bought the home, I wasn't living there and never picked up the letter from the post office (my bad).
So the landlord's charge