Okay I just got another email saying a new collection was added however... I checked its not a new collection... Its my verizion collection that is with midland and has been on my record for over a year now! Ugh
This exact thing happened to me a a few months ago with Verizon and the funny thing was that it happened AFTER I paid them in full.
I pay my bill, Verizon confirms payment, then a few weeks later I get an email saying that my score had gone down. I check my report and notice that a new account with a collection company had opened up, listed at zero dollars, with Verizon in the notes. I call said company and they tell me the balance is paid in full.
As it turns out, I was at the stage in late payment where Verizon was selling my outstanding bill to a collection agency, but the process can apparently take a few weeks and I was right smack in the middle of it. A few weeks later, my rating was right back where it was.
