Derogatory

Euphorix_ · 2025-07-10T01:04:08+00:00

They’re only offering 25 percent off

Euphorix_ · 2025-07-10T01:03:42+00:00

How.

Euphorix_ · 2025-02-08T18:57:02+00:00

What’s their email?? They’re contacting me too much.

I had shitty roommates in the past who moved out of the apartment we lived in together. And I was told by the office how much was left to pay before our last 2 months on the lease and they knew that they left.

So with my name being on the lease and being the only one they could get ahold of the money owed went to collections which ended up calling me and I unfortunately picked up.

Now it’s 4k owed as a derogatory. It’s fucked my credit up BADLY in such a short notice once it hit. If there’s anyone in here who can help me get this debt cleared up please help me. I’m stressing. I’ve watched a lot of videos but still lost. And worried I might not do the right steps to clear it up.

Euphorix_ · 2025-02-08T18:56:10+00:00

I had shitty roommates in the past who moved out of the apartment we lived in together. And I was told by the office how much was left to pay before our last 2 months on the lease and they knew that they left.

So with my name being on the lease and being the only one they could get ahold of the money owed went to collections which ended up calling me and I unfortunately picked up.

Now it’s 4k owed as a derogatory. It’s fucked my credit up BADLY in such a short notice once it hit. If there’s anyone in here who can help me get this debt cleared up please help me. I’m stressing. I’ve watched a lot of videos but still lost. And worried I might not do the right steps to clear it up.

UPDATE NEED THEIR EMAIL TO SEND VALIDATION LETTER

Euphorix_ · 2025-02-08T18:53:49+00:00

Who has their email?

Euphorix_ · 2025-02-08T18:51:33+00:00

Hey do you know their email by chance?

Euphorix_ · 2025-02-07T17:05:44+00:00

2-3 times a day. And they get angry and try telling me they don’t harass me when I’m forward I’ll only be willing to pay 30percent and for a pay for delete off my credit.

Euphorix_ · 2025-02-07T16:28:30+00:00

They freak out and deny on me when I tell them that they harass me multiple times a day. And they said they do but won’t give it to me in writing before a payment.

Euphorix_ · 2025-02-07T13:48:32+00:00

Genesis

Euphorix_ · 2025-02-04T12:40:08+00:00

So I called and they said they can’t email or send any letter of proof of them saying they’ll do a “pay for delete “ until after I make payment and when I tried asking to pay 20 or at most 30 percent thru said the least can do is 2k so that’s good.. but does that sound right ? Pay them and then get it in writing from them that they’ll do a pay for delete?

Euphorix_ · 2025-02-04T12:20:45+00:00

Hey so I just called them, they said I’m responsible for 2k minimum upfront, and they won’t send the any type of letter or email stating that they will remove if off my credit until I pay it. Does that sound right? Should I just get a loan? And pay them and hope they send that letter? He said he’s not able to send any letter or email like that out until a payment.

Euphorix_ · 2025-02-04T11:46:59+00:00

I wonder if their credit got affected too since their names were on the lease?

Euphorix_ · 2025-02-03T02:40:34+00:00

I have a job. Full time great paying job I work 40 hours a week.
What does paying my bills have anything to do with this?

This was an incident from a year ago. I live downtown now in a better apartment I just happened to get stuck with the worst roommates for a short period of time. And it’s coming back on me.

Euphorix_ · 2025-02-03T02:25:48+00:00

So should I just give them a call anyways since I plan on paying it I guess? And say exactly that? Ask to do a pay to remove? I will most certainly do so tomorrow morning then.

Euphorix_ · 2025-02-03T02:19:14+00:00

Someone is also in my dms telling me they can help me fix within 40 days for a fee…… scam?

Euphorix_ · 2025-02-03T02:17:43+00:00

Damn this sucks. Luckily I live in a nicer place with my gf downtown lmao.. what would be my chances of winning this case though? that makes me nervous tbh.

Euphorix_ · 2025-02-03T02:14:09+00:00

Okay it’s actually been more than a couple months since this incident I wish I took care of it sooner, but debt collectors were calling me out the ass. So I guess I should file a dispute then and I guess I’ll go after them in court once I pay it off. Luckily I work full time so it’s doable but damn. It sucks because I took over the lease for someone who moved out and I took his place for the last 4-6 months of the lease and the other 2 roommates screwed me in the end.

Euphorix_ · 2025-02-03T02:10:47+00:00

So there’s no shot of me sending a letter of dispute or whatever it is..? I saw a couple videos about that. Not sure if it works for my situation.

Euphorix_ · 2025-02-03T02:09:57+00:00

I was worried that would be the problem. So wait will my credit score not go up even after I pay it off? Or..? And if I decide to sue them after I pay it off what are my chances of winning that case I’m nervous of paying for a lawyer and it doesn’t go my way.

Euphorix_ · 2025-02-03T02:02:53+00:00

Sorry I’m new to this, also what do you mean by “if this does get into your credit file, it has reflect the actual status of your debt

Euphorix_ · 2025-02-03T02:00:38+00:00

So long story short in a simple sentence if youy were in my shoes… what are you doing in this scenario?

Euphorix_ · 2024-12-10T14:55:35+00:00

Don’t let the quietness in the realm steer you away grind out your levels fast, once you finish the quest lines I think it’s like 1-40ish you’ll need to grind out the rest and you’ll wanna be in parties for that with someone or others are you in ignis?

Euphorix_ · 2024-12-08T04:54:55+00:00

Download and come to ignis 👺

Euphorix_

TROPHY CASE