Help! Credit? I pulled my credit report and there is a denial for an

I pulled my credit report and there is a denial for an apartment that I never rented. They say I owe them money but its within another town that i have never stayed contained by. I disputed it with the credit Bureau today immediately I have to lurk 45 days for them to complete there investigation. What can I do? I hold never been at this apartment site. This is not my bill. I own never rented this apartment. How did the collection agency get my ss# to put this on my credit report?

You own been the subject of Identity Theft. If you read the Federal Trade Commission's website on Identity Theft, it will provide you with the steps to hold in proclaim to recover from it.
Truly a fundamentally good site.

Send the apartment complex a debt validation letter.
Here is a connection to get it started.
http://www.creditscorequick.com/download... Here's what you do.
If after the 30-45 days, the credit agency will not remove it from your report, and it is indeed a debt that's not yours, you will have to distribute a letter of certification to the collector, asking them to verify to you how they came give or take a few charging you for this bill.
Show me any and all signed documents where on earth I agreed to pay.
Show me how you calculated what you say-so I owe.
Etc etc. If you need a taster letter (that I in actuality used and got something stale my report) Email me and I will send it to you.
Send adjectives communication with the creditor CERTIFIED post and wait for the green postcard to come backbone to you. They have 30 days to respond to you.

If they do not respond, you will distribute a second letter and hang about 15 days. If you never hear from them, then you photocopy the green postcards and adjectives letters you sent to the credit reporting agency (transunion, experian, equifax) sending everything certified messages.
Then, they will remove it from your account.

Do NOT foot write anything in the communiqu�� including the envelope, or your actual signature. They might just forge your signature on a document.

The creditor must prove it's your bill.
The credit reporting agency singular had to achieve a yay or nay from the creditor to keep it on your report, so you'll own to deal beside the apartment people.
Don't carry scared. I enjoy been through this process and it works. Things be on my report that were not mine and after adjectives the letters I sent, they be taken off.
It is a huge spasm in the backside, but you must be diligent and FIGHT like crazy.
If you really want to cram a lot on this issue, there's a great message board. I can spend adjectives day reading through adjectives the information there.
http://www.creditboards.com
Good luck.

You might also want to put a free, 90-day fraud alert on your three credit bureau reports. If you identity have been stolen or compromised you want to embezzle action. This fraud alert tell any lender that tries to open an details to contact you first.
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