I have an above average credit rating and am very responsible with any payments that need to be made. After moving out of my last apartment, I paid all of the rent and never received another bill for more payment. The other day I received a letter stating that the balance owed had been transferred to a collection agency.
I will very gladly pay the balance that I owe, but since I never received a bill, can I dispute the negative credit reporting?
I would like to find out if it's even possible to have it removed before I discuss it with the apartment complex in case they tell me it's not possible.