daniel17319 Posted June 28, 2016 Report Share Posted June 28, 2016 I have a gas bill from a place i rented in Ausin Texas. The collection agency posted it to my credit report, I want to remove. I am not sure how to, i have had others ones removed threw letters etc. The gas bill is mine however i had 3 roommates, when i contacted the apt complex they referred me to the gas company, the credit agency referred me to Apt complex. I looked at credit karma and it showed the apt complex as the creditor. How do send a proof of debt letter to see whats going on. How do i deal with this case specifically is their a free a rent help for texas i can contact. thanks Quote Link to comment Share on other sites More sharing options...
Clydesmom Posted June 28, 2016 Report Share Posted June 28, 2016 12 hours ago, daniel17319 said: I am not sure how to, i have had others ones removed threw letters etc. You can try to remove this the same way: pay for delete. You send an offer of payment in exchange for deleting the trade line. While it isn't impossible now that consumers are rebounding on credit many creditors are refusing to do it. There is no legal way to force them to agree to delete a valid trade line. ALL you can do is negotiate to try and have it come off. 13 hours ago, daniel17319 said: The gas bill is mine however i had 3 roommates WHO was on the lease? If it was only you then you would have to go after your former roommates for their share. If all of you were responsible jointly and together (which is how it is on a group lease) then it is probably listed on everyone's credit reports. 13 hours ago, daniel17319 said: How do i deal with this case specifically You send a DV letter to the collection agency since they are reporting and make sure to invoke Texas Finance Code 392. 13 hours ago, daniel17319 said: is their a free a rent help for texas i can contact. You can try legal aid if you qualify but this isn't a rental issue it is a utility issue and as you stated earlier the bill is yours and you owe it. Quote Link to comment Share on other sites More sharing options...
daniel17319 Posted June 28, 2016 Author Report Share Posted June 28, 2016 2 hours ago, Clydesmom said: You can try to remove this the same way: pay for delete. You send an offer of payment in exchange for deleting the trade line. While it isn't impossible now that consumers are rebounding on credit many creditors are refusing to do it. There is no legal way to force them to agree to delete a valid trade line. ALL you can do is negotiate to try and have it come off.You send a DV letter to the collection agency since they are reporting and make sure to invoke Texas Finance Code 392. You can try legal aid if you qualify but this isn't a rental issue it is a utility issue and as you stated earlier the bill is yours and you owe it. WHO was on the lease? If it was only you then you would have to go after your former roommates for their share. If all of you were responsible jointly and together (which is how it is on a group lease) then it is probably listed on everyone's credit reports. It was me and 3 others Quote Link to comment Share on other sites More sharing options...
WhoCares1000 Posted June 28, 2016 Report Share Posted June 28, 2016 Even if that is the case, they can still go after you individually and leave the other 3 alone if they think you are more likely to pay than the other 3. Quote Link to comment Share on other sites More sharing options...
Clydesmom Posted June 28, 2016 Report Share Posted June 28, 2016 6 hours ago, daniel17319 said: It was me and 3 others Okay then you basically are jointly responsible together and separately. As @WhoCares1000 said they can go after you individually if they so choose. Quote Link to comment Share on other sites More sharing options...
daniel17319 Posted June 29, 2016 Author Report Share Posted June 29, 2016 4 hours ago, Clydesmom said: Okay then you basically are jointly responsible together and separately. As @WhoCares1000 said they can go after you individually if they so choose. What should i do about this, i know i don't owe 65 for my bill. Quote Link to comment Share on other sites More sharing options...
Clydesmom Posted June 29, 2016 Report Share Posted June 29, 2016 1 hour ago, daniel17319 said: What should i do about this, i know i don't owe 65 for my bill. Actually you might. Even if the last gas bill was half that when it wasn't paid they can tack on interest and a late fee. Ask the apartment complex, the collection agency and the gas company for a copy of the bill. Make sure each one of them knows you have sent the same request to all 3. ONE of them has to cough up a copy of the bill. Quote Link to comment Share on other sites More sharing options...
daniel17319 Posted June 29, 2016 Author Report Share Posted June 29, 2016 ok thanks i will Quote Link to comment Share on other sites More sharing options...
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