Hello everyone,
Looking for guidance on how to proceed to clear up this issue as efficiently as possible.
In April 2022, I paid settled on a medical debt ($650 --> $455). We settled because the debt was old (Date of service: Sept 2016). In addition, I paid a smaller, more recent medical collection for $15. Total was ~$470. I paid 4/29/22.
In May, the collection fell off my account and my score shot up.
Today, out of the blue, the collection is back. I saw it on CreditKarma and then confirmed by pulling my report from annualcreditreport.com.
It says "unpaid". Same DOS. Same collection agency. Same amount ($650). The only thing that that looks different is in the comments is says "GS". No clue what that means?
Obviously, my score dropped.
I have proof via email recieve of the $15 but I don't see the $455 receipt. I have a copy of the statement with a charge for $455 to the CA. Will that be enough?
I know I need to dispute but not sure if I should go directly to Equifax, where the collection appeared, or if I should wait until Monday and reach out to Credit Center Inc (CCI), the CA, who are closed this weekend.
Any suggestions? I'm so bummed. I know it will bounce back but we are in the process of figuring out a loan for the roof, etc. I don' t want to wait until October.
Thanks in advance!
