I was a cosigner for my daughter apartment. The apt manager ( XXXX ) replace the carpet after my daughter move out, because of pet damage. the dept was sent to collection and placed on my credit report without ever contacting me for payment. They never gave me a chance to clear this dept before attacking my credit. I offered to pay this dept if the collection company ( Rent Recovery Solution ) would remove the negative comment that they placed on my credit report. Which they refused to do.