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geked

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How do I get an unjustified collection off of my credit without going to court?
While living in an apartment i was required to pay monthly renters insurance. In the last month of living there, I was home very little and the apartment above me leaked into the bathroom and bedroom of my unit. renters insurance refused to pay it because the leak wa s from the apartment above and I refuse to pay it. Now it is on my credit report like I owe this. How can I fix this short of going to court?

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