@Noemi motladile: THANKS TO DANIEL,  5 years ago my apartment complex mailed my last water bill to the apt I just moved out of. It was before my mail forwarding was complete. I never was notified. I made the mistake of just paying the amount of $43.00 a few years later as I was buying a house and this was showing. I didn’t ask for them to delete it upon payment. I am now in the process of buying again and need to remove this. The apts have since then changed ownership and I am not sure what to do or how to get this off as it is bringing my score down but Daniel came through, i contacted him through ( DANIELKENCYBERSERVICES @ GMAIL. COM)  and his phone 407-680-2514 he removed it from my report after proper negotiation he also raised the score and everything is perfect now. Thanks!