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== One and half year ago, June 2012 == About one and half year ago, I had gone to an apartment complext, to discuss with them about lease transfer from my friend who was staying there. Obviously I had parked in the "Future Resident" parkin spot. By the time I buzz my friends door and call him down, and enter the building leasing-office, I am told, that a parking-notice ticket was served. (I honestly do not remember about that ticket. Don't remember seeing it, or anything about it.) == January 2013 == I have started monitoring my credit score using myFico thing and it has been showing excellent score. Dec. 2014 my score stood at 800 == 15 Dec 2014 == I was talking with my bank about my mortgage, where they mention me about the "Collection account" in my credit report and my actual experian score being 668. Upon further enquiry, I found that I have a "collection account" in the amount of $75. from == Collection account == ACS FINANCIAL LLC Address: PO BOX 55849 SEATTLE, WA 98155 (206) 367-1720 Account Number: XXXXXXXX Original Creditor: PLATINUM PARKING LLC Address Identification Number: 0XXXXXXXXX0 Status: Collection account. $72 past due as of Jan 2014. Status Details: This account is scheduled to continue on record until Apr 2020. Date Opened: 11/2013 Reported Since: 01/2014 Date of Status: 01/2014 Last Reported: 01/2014 Type: Collection Credit Limit/Original Amount: $68 Recent Balance: $72 as of 01/2014 This single item is dragging my score down by (probably) 100 points. I have tried to contact the original Creditor and CA people over phone asking if there is any way of removing this collection account against my name, and I was not successfull. I am thinking of following three options (in order of likelyhood) 1. Contact Lexington-Law and with their help ask the original creditors to let go of the original credit, with incentives. 2. Pay of the Collection-Agency full amount ( Q : Can any one tell how much it will impact my credit score ? ) Can someone with experience with small amount (<$100) collection-account please help me out with what is the correct course I should take ? Also I did not understand why my "FICO" score from equifax is "800" but my bank-person is saying experian score is "668" ? Can they have such big differences in them ?