Hi, I am writing because I found out that i have a debt collector that is affecting my credit score. This debt is not mine, and the collector refuses to remove it from my husband 's and my credit score. What do i do? when we told the lady that is not ours and we wanted to negotiate to get rid off it she denied, and offered for us to pay about XXXX which is what the debt showed as early this year ... i just checked this again and it went up to almost XXXX! This debt used to showed as of year XX/XX/XXXX and i checked it again and they changed it to XXXX. We reside in XXXX and under the statue of limitations it says that they should get rid of this issue next year ( 5 yrs ), but they changed the date to XX/XX/XXXX! the debt collector is : Rent Recovery Solutions form XXXX