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Paid Derogatory Mark
I recently disputed a derogatory mark with Equifax after questioning the validity of a debt; A previous apartment complex not only took my deposit but reported that I owed them an additional $1,018. I was not given a full invoice of the charges/damages done to said apartment, and inquired several times via mail to have a statement of ALL damages as well as the cost sent to me. I found myself reported to collections for a debt I did not see to be fully valid. I contacted the debt collector several times, also with no response. In addition, I have made two payments toward the final balance in previous months (prior to disputing the debt with Equifax), in efforts to break down my balance into payments while I awaited a full statement. Equifax has now contacted me with the result of my dispute telling me that they've updated my balance to "Paid in Full." I now wonder why Equifax would do this, how am I to know that ACTUAL cost of the potential debt with my previous creditor? I have paid two-thirds of a debt they clearly did not find valid. If the debt is invalid, why is it still being reported on my score?

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