I've already spoken with my lender about this and he isn't pulling my credit again for closing. My scores dropped between 15 and 30 points. I received a notice of $148 debt, I disputed with letter, no word, disputed with email, no word, setup a payment plan, no word, paid $50, no word, assumed no one cared, paid in full on Feb 1. On Feb 7, this CA (Portfolio Recovery) added a $0 balance collection account to CR. What do I do? Thanks guys!!