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mznizz

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Former Landlord made a derogatory report
I rented a home from 08-10. I was never late with rent and I even investing my own money to make the house look nicer; painted (got their permission), custom blinds installed (there were no window coverings when I moved in) and I kept the yard in tip top shape. The house developed a leak and they never fixed it properly (they sent family in to fix 2-3 times but not successfully)which led to wall bulging and sheet rock falling from ceiling and wall. They eventually stopped returning my calls to advise them the leak was still a problem.

I took careful note to keep all receipts, before and after pictures and even documented dat/times and specifics of calls to and fro.

I had pets and they never asked for a pet deposit and I even offered one when I move out and they declined.

6 months after I moved out I got a cerified letter at my job of all places that they were suing me for property destruction.

So to sum up the events, we went to court and I actually won the case. They former landlords actually owe me; still to this date, for court fees. I have the court papers showing the judges decision in my favor.

There is a public derogatory mark on my credit report now. I know for a fact these people would not willingly request this be removed as it would benefit me.

How can I personally get this off of my credit report?

Anyone ever had something like this happen to them and if so, how did you resolve the problem?

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What an awful situation. I suggest you contact the credit bureaus (http://www.creditinfocenter.com/creditreports/CreditBureauContactInfohtm.shtml) with documentation of your court judgment and ask to have the derogatory removed.

I'm not a lawyer or an expert financial advisor (just a fellow CK member), but I believe that if the landlord doesn't respond within 30 days to prove his/her case, the bureaus are likely to remove the derogatory. You may have to keep after them to get them to do it. But it's a good thing you kept all that documentation!

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