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I agree on that, except the original creditor (landlord) is responsible to call off the collection agency. On top of that, the original creditor can damage the credit report as well if they want to, being that they weren't paid if you paid the collection agency instead.
You might want to pull your three bureaus now, in case some or all of them are still clean. If you're looking to rent again, it's very possible your next landlord will accept a bureau provided by you.
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