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for example: if i have to pay a bill for my previous apartment because the security deposit didn’t cover all the cost of cleaning and i don’t pay for the bill…will it show up on my credit report? Do the apartment complex have the right to put it on my report? I was told that only “Banks” can do it. Like if i was to take out a loan/ credit cards and I didn’t paid for it…anything that is related to banking..only they can report it.

3 Thoughts on if a bill is left unpaid does will it show up on your credit report?
  1. Reply
    Nurse Practitioner 32 years
    August 1, 2011 at 2:11 am

    Anyone to whom you owe money can take you to court and the default will show up on your credit report. The most important thing is to pay your debts promptly so that you can continue to have good credit.

  2. Reply
    August 1, 2011 at 2:28 am

    More often than not, they are given the right to report to the credit bureaus in your lease agreement. It doesn’t report the same as a credit card, typically what I find is that is a fee is not paid to the apartment complex, it may eventually be sent to their collection agency. The collection agency will then report the debt on your credit. It takes about 90 days from the time you owe the money until you are sent to collections. Gas/Electric companies can also report on your credit, without the assistance of a collection agency. I’d say it depends on how much you owe- if the balance is small, most apartment complexes/landlords will not pay a collection agency to collect the debt, it ultimately will cost them more in the end- BUT they may consider it a ‘charge-off’ balance and report it that way as well. Good luck!

  3. Reply
    August 1, 2011 at 2:52 am

    Yes, it can and probably will go on your credit. This is very bad because for when you want to rent in the future. Most apartments will rent to you if you have bad credit, but will deny you cold for “bad rental history.” And owing a previous landlord IS bad rental history.

    You should find a way to pay it quickly. Check your credit and if it is not on there yet, take care of it. If it is on there already, try to cut a deal to pay in full, now, if they promise IN WRITING to remove it from your credit. They have the power to remove it, and simply paying it, will NOT make it go away. It will take 7 years if you do not cut a deal.

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