I have been working so hard on my credit in the hopes of going for a home pre-approval end of this year and what do you know? A new collection just appeared on my credit and tanked my score. It is from my doctor’s office. They did send me the bill for $70+, I sent them back a letter with my FSA credit card payment information on it. I received a call saying to call them which I never got around to. I assumed all was well. Then I get an alert from myfico.com that a collection has been added. Can they do this? a.) The OC didn’t tell me I was being sent to a CA and b.) I never received any notice from the CA

What is the fastest way to get this off? A call? A letter – if so, which? As I understand it, my credit from bankruptcy discharge to home loan application has to be perfect. It was….until now. :-/