question about credit score

[Anonymous]

I used to have a high credit score because I always pay my bills in full and on time. We recently moved, an I made a purchase with a department store credit card. I send a check with my change of address.

Well, 4 month later I received a collection call from this company. Apparently, the check and change of address did not arrive, since there was no evidence of my new address. Of course I paid the bill right away.

Now my credit score dropped from 730 to 676. I am so mad about this. I always pay my bill.

Here are my questions:

Will this effect my husband's credit score as well ( the account was in my name)?

How can I get rid of this on my credit report?

Is a score of 676 still good?

Thanks, any advice is greatly appreciated!!

[Tuscani]

---

Bee wrote:

I used to have a high credit score because I always pay my bills in full and on time. We recently moved, an I made a purchase with a department store credit card. I send a check with my change of address.

Well, 4 month later I received a collection call from this company. Apparently, the check and change of address did not arrive, since there was no evidence of my new address. Of course I paid the bill right away.

Now my credit score dropped from 730 to 676. I am so mad about this. I always pay my bill.

Here are my questions:

Will this effect my husband's credit score as well ( the account was in my name)?

How can I get rid of this on my credit report?

Is a score of 676 still good?

Thanks, any advice is greatly appreciated!!

---

Will this effect my husband's credit score as well ( the account was in my name)?

NO.. Only on joint accounts

How can I get rid of this on my credit report?

Dispute it as inaccruate.. also do you have a copy of the check and COA?

Is a score of 676 still good?

YES!

[Anonymous]

<Dispute it as inaccruate.. also do you have a copy of the check and COA?>

First, thank you for your reply. Unfortunately I don't have a copy of the check and COA. I don't have any proof, but I am 200% sure I send a check with the coa.

Where can I dispute this as inaccurate? I never had trouble with something like this, so  have no clue.

Thanks in advance,

Bee

[Tuscani]

You should see dispute instructions on the bottom of your myfico.com reports. The information will link you to the CRA which is who you submit your disputes through.

[Anonymous]

Thank you

Bee