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

Valued Member

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


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2 REPLIES
Moderator Emeritus

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.

Message 2 of 3
Moderator Emeritus

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+
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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!

June 2017 update: All scores over 820, just pure gardening now.
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