I had a score over 700, it dipped to 631, then jumped up to 676 after I paid an account in collections. How soon can I bring my credit back above 700 & how? I keep a low balance on my credit cards and pay in full every month, my car is nearly paid off. I am very responsible financially, spend way less than I earn, avoid credit trouble. This situation however, was unavoidable because I never got a bill in the mail.
An account was sent to collections, which was a total mistake. I was never contacted about oweing money for a $32.00 doctor visit that my insurance was supposed to cover untill it was already in collections. I would have paid it if I was mailed a notice, because I had the money in the bank, but I was never mailed a statement. I contacted all parties involved after I saw it on my credit report, and they insisted it was mailed, but I never got the notice. My credit dipped to 631 b/c of this little incident, but jumped up to 676 after found out about the account & paid it.
2007-11-25
12:33:02
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8 answers
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asked by
love
6
in
Credit