Because my wife and I are looking to get a mortgage and move soon, I’ve been monitoring our credit like a hawk for a few months now. Just this morning, seeing that our EQ VantageScore suddenly dropped 120 points, I did further and saw that there was an item in collections—a $200 balance from Receivables Management Services, on behalf of Patient First. So far, it’s only on the one bureau’s report, but I’m sure the other two are to follow.
in short, what’s the best approach now? I haven’t done anything yet. While I’m considering a credit repair company, the sense I get here is that I