Help....a week from closing and re-aged collections?

[Anonymous]

I am scheduled to close 5/15. Everything has gone smoothly so far, but today I decided to log into credit karma and there are two new collection accounts on my report. I have never heard of, been contacted by, or seen this agency on my credit reports until today. The original creditor is a doctors office that I haven't been a patient at for almost 20yrs! I was fully insured while I was a patient there and have never been aware of any unpaid bills. This clearly seems to be a mistake or a gross case of re-aging. I am not sure how to handle this. I'm afraid to contact CA or CRB ar this point as I don't want to do more damage to my report by inadvertently opening a dispute. I am angry and terrified this is going to effect my closing. I'll be calling my LO tomorrow but I'm not sure I can wait that long for opinions and advice. What should I do?

[Anonymous]

Keep the faith, you've come to close to turn back!

I'm sure your LO will see you through 

Congratulations 

[Anonymous]

Thank you. LO said they wouldn't pull my credit again and not to worry.  I received my closing disclosure today and everything seems on track for closing Monday!  

[Anonymous]

Awesome. Congrats! So when was your second/last credit report pulled?

[Anonymous]

This is my nightmare!!!  I cannot WAIT until Friday gets here and I get that disclosure in my hand!  I am ready to finish this race!!

[Anonymous]

So..... Did you close?

[Anonymous]

I did close as scheduled and have been in my home over a year now!

[Anonymous]

So what did you do, if anything, about the collections?

[Anonymous]

The collection wasn't re-aged as I had thought. It was from a doctor who saw me when I was hospitalized. Once I called their office and explained the hospital had granted me financial aid due  to being uninsured and my financial situation at the time, the debt disappeared from my credit report