Credit Cards Center Credit cards from our partners
Valued Member
Posts: 26
Registered: ‎07-26-2012

Help! Two collections account appeared on credit sesame today....out of nowhere :(

I received an alert from credit sesame. I checked my account and I have two collections that posted today. I haven't received any other indication of these accounts, I didn't receive a dunning letter. I am planning to purchase a very badly need vehicle in the next month and I'm afraid this will ruin my chances.


What should I do? Should I apply for auto credit before it makes it to my other reports? Thank you for your help in advance.

Starting Score: 600
Current Score: 663
Goal Score: 720

Take the myFICO Fitness Challenge
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: Help! Two collections account appeared on credit sesame today....out of nowhere :(

I'd pull all 3 reports to see if they reported. I would also take steps now. They don't have to send a dunning before reporting, but must send one now since they just engaged in collection activity. I would send a DV letter ASAP.

Posts: 13,897
Registered: ‎04-15-2011

Re: Help! Two collections account appeared on credit sesame today....out of nowhere :(

Get those DVs out, they would be considered timely at this time.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.