[john70t]

The leverage is definitly in the hands of the filer.

A short personal story:
Back in 1990 I shared a 2 bedroom apt with a couple other people and we ended up not getting along(slackers). 5 months into it, one quit his burger job and moved out, and the other wanted to keep the appt. with another roomate.
I got a writen o.k. from the (outgoing from maternity leave) property manager to quit the lease, paid a $380 early-termination fee, repainted their damage, and left.

Three years later I applied for a credit card and found the complex had stuck my credit report with a $3,800 debt. The other roomate had apparently moved out after I left(as I suspected), but there had been lights on at night so someone was living there. Met with collections but they were firm on sticking it to me.I had received no notice to contest it/appear and had lost their paperwork.

Over 10 years later on, I still couldn't get a Sears card or a union credit card to build up my credit again. Auto loan? Mortgage? Nope. It was still on TransUnion's report.
I tried to contest it twice, but they wouldn't even send me a report or forms because "my address wasen't registered" (even after living 5+ years at the same address with bank accounts/utilities in my name).


Pure economic slander. I'll never pay loan interest to major banks again(if I can help it).