ChiMello

ChiMello t1_jea65c2 wrote

For one thing, utilization is based on your balance when the statement is generated with most credit cards (a few report more than monthly but for most the statement balance is the % that gets reported). For example if your balance on your statement is $650 on your $700 card, your utilization that your credit card company will report that month is going to be nearly 93%, even if you pay the entire $650 before the due date.

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ChiMello t1_j6fuhyi wrote

File a dispute based on inaccurate date. )If you can find old letters or statements to back up that you can upload them and your odds of winning will be much higher). Some shady debt collectors engage in redating of old debts to pressure people to pay them. Some even file lawsuits past the SOL and just hope the debtor doesn't show up so they get a default judgment despite being past the SOL.

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ChiMello t1_iuikooc wrote

They should at least refund the deposit and the admin fee.

Legally they definitely could not keep the security deposit under the circumstances you describe. Ethically (and possibly legally) they shouldn't keep any of it including the application fee when you applied for an apartment that isn't available due to an error with their system. Keeping the application fee if someone is just turned down for the apartment after they are screened is one thing, your situation is different.

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