I moved into XXXX Apartments with my husband who had XXXX in XX/XX/XXXX He lived for XXXX days after we moved .. He died on XXXX I no longer needed the XXXX bedroom and the rent was too high so i moved into a XXXX bedroom which was still upstairs. I dont have much of my mind together and have since been given XXXX. I Have disputed this charge as I again moved within the complex downstairs to be on a bottom floor in able to move more freely in the apartment not having to utilize the elevator and have my car right outside. I was not told I was signing a new lease, I Had paid my rent if someone would just check and put XXXX and XXXX together i think it would make sense that i paid my rent on time every month .. .. It has been a while now five years and being XXXX this on my record is keeping me from housing i can afford. I know i paid my rent on time every month and this would show thru my banking record because i have not changed banks since this occurred .. I do not know why they did not tell me i was signing a new lease for a apartment downstairs that would put me in another years lease. I believe this is a human error and that they are just sending this report with no concern for bad things happening to good people .. I was terribly depressed and despondant, and had no way to know that i was signing another lease I was not told by managment ... I lived there from the time my husband passed away until XX/XX/XXXX my husband passed away XX/XX/XXXX .. He took care of everything financial matters as he was an accountant. His passing left me with bills i had no idea how to pay and how to cope even XXXX XXXX which has placed this account on my credit knew this and knows i paid my rent on time for those following years never being late and paying early. I dont know why they can not remove this item knowing i am now XXXX, can not pay them and that i could move into XXXX housing based on my income now. I live in XXXX now. I pray you can help me to remove this from my record. I truly had no idea and if you check into it for me and can help me you can see i signed a lease when i moved in during XX/XX/XXXX and then moved XXXX within the same building as a better unit sutable to my needs became available It was a XXXX plus community and i truly thought my lease was up beings i moved in XXXX days before my husband passed and then moved out in XXXX of XXXX so that is XXXX complete years i lived there .. so i was not told when i gave my notice in XXXX that i woudl be moving out XX/XX/XXXX. I was on a month to month lease. I do not know how to fix this but it is truly keeping me from living a life of more ease with this on my record. I know its a hard world we live in and i have faced much during this five years .. I would just like some mercy and help to remove this from my credit account. I know i have bad credit for i had tough times during those years .. however i do have hope that my school loans for my son were paid and if this could get off my record i could live in a housing as i said for XXXX. Thank you so much if you could help me and understand how agonizing it is to lose a spouse, when you were a house keeper and did not do the finances or signing of papers. thank you again and please help .. I pray .. XXXX XXXX