You should find a local mold attorney to help determine your best course of action. For example, if there is a state law in OH regarding mold. A mold attorney should direct you how to test mold to find out whether it is toxic. Mold issues are so controversial that state laws are so different in terms of liability and remedy. I have seen people living in mold contaminated house for prolonged time that they developed nerve damages. It was so serious that they were disabled.
If your mold is toxic, then the least thing you need worry about is your credit. Depends on your local landlord tenant law, an attorney should be able to advise you whether to do rent strike or to move out immediately and hold the landlord liable for breach of warranty of inhabitability.
