I don't know where to begin and how to resolve this....
I have been on rebuilding my credit exactly a year now and have managed to increase my scores from the low 400's and last week was borderline at 700's.
Yesterday I wake up and logon to CCT like always do, I check it faihfully at least 5 times and MyFico too and noticed my score dropped 20 points!! Transunion dropped 30 and EQ hasn't dropped yet but it is reporting....
I was rushing to see why it had changed and noticed an old medical debt that I had disputed and succesffullly deleted has come back to haunt me and this is a collection from 2010!!
The DOFD is 12/2010 and I started the dispute process with Experian. I havent started EQ since it tells me to fax my dispute and TU I already have a dispute in process trying to delete old addresses.
I am so upset because I was planning on purchasing a home next summer and I am currently rehabbing my student loans and should be done in Novemeber. I have followed all the right steps and now I get slapped in the face with this collection. I know its just one collection but with scores dropping it feels my world is falling apart too.. ( I may be overexxagerating due to the fact I'm pregnant)
I am so aggravated and just ready to quit this rebuilding process.
Below is the collection they added any help or suggestions would help:
Agency Address: 245 Main St Dickson City, PA 185191641 (609) 7719200
Date Reported: 09/2016
Date Assigned: 08/2016
Creditor Classification: Medical/Health Care
Creditor Name: GRANDALE EMERGENCY PHYSICIANS
Account Number: XXXX Account
Owner: Individual Account.
Original Amount Owned: $835
Date of 1 st Delinquency: 12/2010
Balance Date: 09/2016
Balance Owned: $835
Last Payment Date:
Status Date: 09/2016
Status: D Unpaid
Comments: Medical