I have a problem with my credit score and I'm seeking for help. I cosigned for my friend for his apartment everything was good was making his payments until about half a year ago he had stopped making them he said he was struggling financially. He promised that would work out with the apartment manager and pay off the remaining balance and not let the owed balance go to collection. Well he lied to me i recently pulled out my credit report and there it was that balance of 4035 put into collections with my name on it. My score was a 720 it has gone down to a 650 and I'm afraid it's gonna go down more and more. What can i do to remove this from my credit report. I never lived in the apartment all I did was cosign for a friend that needed my help. Please help anyone. I'm angry that he let the balance go into collection I talked to the manager of the apartment and found out he never talked to her about making payments or anything on the owed balance.