The housing counselor at the Cleveland library desk caught my $12 mistake before it turned into a denial

Jennifer Bailey · 2026-10-27T12:45:05.136921+00:00

I sat down with a free housing counselor at the Cleveland Public Library on a Tuesday back in March, mostly to get my rental application paperwork checked. She pulled my credit report and spotted a $12 medical bill from 2022 that had gone to collections, sitting there for almost two years without me knowing. She told me to call the clinic and ask for a pay-for-delete letter, and eight weeks later the collection came off and my score went up 41 points. I had no clue a tiny bill could block a lease like that. Has anyone else had luck asking a clinic or landlord directly to pull something off your report instead of hiring a repair company?

Vivisector

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The housing counselor at the Cleveland library desk caught my $12 mistake before it turned into a denial | Credit Repair Housing - Vivisector