"and then impacts your credit score because of unpaid debt." All these companies operate, if not rouge, at least gray and would never bother reporting it to a

"and then impacts your credit score because of unpaid debt." All these companies operate, if not rouge, at least gray and would never bother reporting it to a credit agency. By the way, credit agencies: Many scammers make a living out of advertising apartment that do not exit. They try to make you sign up for an affiliate, subscription based, "credit check".