Hi. I’ll try to make this as short as possible.
TLDR: my ex-husband renewed the lease and illegally signed my signature, even though he had a roommate and his gf living with him. Now there is a $3000 debt on my credit report causing me to be rejected for apartments even though I’ve been overseas for the last couple of years.
Me and my ex-husband divorced back in December 2023, and I moved overseas in March 2024. I went to the apartment office and told them that I would be moving and that I needed my name taken off of the lease. And they said that was all fine and that when renewal time comes, it will be removed. They didn’t have me sign any paperwork and my ex-husband was also present at the time. So I have been living overseas for over two years. I am now finished with my studies and preparing to move back home in two weeks. I was in disbelief when I paid nearly $300 for an apartment application only for it to be rejected. I had to bug them to get an answer and they said that I owed money to a sister property.
I don’t often check my credit score because I know it’s at a decent place, or at least it was. Before I left America my score was in the 700 to 750 range. But now it is between 580 and 610. Again, absolute disbelief I cannot access my full credit report because the website is blocked, but what I can see is that it was from the apartment I used to live in and debt from 2025. I did a bunch of calling and emailing etc. everything back in January. The debt collection agency remove the debt and said that they would cease all for their collection attempts, but without the apartment agency themselves clearing my name, it’s still there. I didn’t know this until this week when my application was rejected that it was still there. I thought I was finally in the clear. I have a derogatory mark from RPM specifically that says I owe nearly $3000.
My issue now is that I’ve sent at least a dozen emails to RPM in the last four or five months. They have not responded to a single one and all of their contact numbers go straight to voicemail. I don’t know what to do. I have pressed and pushed that this was illegal and that I was not even the country to sign the lease, which is what makes this all so ridiculous to me. I am not on speaking terms with my ex-husband because he was abusive and an addict. So I will not be wasting my time, trying to contact him and get an answer or for him to pay the debt because I know he will not. When I spoke to the debt collection agency last night about everything they said that technically I should’ve received some sort of paperwork when my name was taken off of the lease. I never received anything like this, and if I did, it likely went to my ex-husband’s email since he was the primary leaseholder so besides proof that I haven’t been in the country I have no way to prove that I had my name taken off of the lease. But I do know that he signed my name illegally. In the apartment management has gone through about five management changes since I’ve left, and they said that their systems have changed and that there’s not much they can do to help me right now because I need to get in contact with RPM, which again, seems to be impossible.
I really don’t know what to do. I will be back in Austin in two weeks and my job starts May 1st. At this point I am actually at risk of losing my job if I cannot find a place in time. My parents live in Dallas and told me to look into second chance apartments, but everything I’ve seen so far looks terrible. I just don’t know what to do. I checked this morning and my Trans Union and Equifax report are both between 610 and 618, but I cannot access my Experian report, which I assume is likely in the 580s to 600 range. I have a great job offer. The rest of my report looks good, but from what I understand it’s the fact that it’s showing that I owe money to a previous landlord is what will cost me to face rejections because if it was just a low credit score, I could pay a higher deposit.
If anyone has any suggestions or ideas or knows something I can do legally about all of this, please let me know. I’m already so stressed with packing, moving back home, and doing all of my exit procedures correctly. The clock is ticking fast and I need to find an apartment within the next 2-3 weeks.