I had an apt complex in California put a negative item on my credit report. The charges they list are invalid (they made up charges over 30 days after we moved out) but they hired a collection agency and I now have this thing on my credit report. How do I challenge it to get it off?
Two options, first you can do this online at the credit bureaus websites and second you can write them a certified letter return receipt requested they will then have 30-days to get in touch with the collection company and respond back to you.
Personally I would do both
Good luck.