I need some help understanding why my fico score on experian dropped 57 points, I have medical debt from years ago some bills are coming on 7 years this year, all of a sudden in november 2016 7 collections appeared that were not there because they had been removed by one collection agency now here they are and my points dropped by 57, I thought old debt and age could not change this. why are my reports and scoring saying I have recent collections when the actual dates they were from were 2010 and 2011 and 2012 but nothing shows that on my reports it makes it look like I have major hospital bills not paid from 2016, when all of them were insurance errors of not being billed correctly and I can't prove it. I am over the collection agency's pulling and putting this stuff on and off making it look bad because state laws prevent them from suing , so they try and use your credit report to do it , everyone says it doesn't affect your score that much but here is the proof it did the only thing different was the 7 collections added to my report and my score dropped. Even on here when I look at experian it say I have recent collections 3 to 7 years is not recent.
