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The $27 money order move that got my rental app unstuck after two denials
So I got turned down for two apartments in Columbus back in March and couldn't figure out why. My credit score was sitting at 608, mostly from an old medical bill that had been sitting in collections for like three years. A guy at the housing office on Broad Street asked me one question I hadn't thought about: had I actually paid the collection or just disputed it? I'd been disputing it over and over, which kept it on my report the entire time. He explained that a paid collection looks way better to a landlord than an open one, even if the score doesn't jump much. I called the collection agency, asked for a pay for delete in writing, and they wouldn't do it, but they did agree to mark it as paid in full. I sent the $27 money order with a certified letter so I had proof, and about 40 days later my report showed it as paid. The next landlord I applied to approved me in two days, and I honestly think it was because there was no open collection staring at him. Has anyone had luck getting an actual delete letter from a collector, or is paid in full about as good as it gets?
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