Hello all. I was wondering if anyone could help me with how to handle this situtation I'm in. I'm a bit frustrated because I have tried building good credit for the past 8 years now (I am 26), never had a late payment or any collections or anything. I recently wanted to upgrade my line of credit with my Bank when to my suprise I was denied. My bank wrote me a writen response as to why and it said that the credit agency had found an open collection. That is why I came to myfico to run my 3 credits and I found 2 out of 3 (Transunion and Equifax) showed collections. After some investigation I found out that it was an open collection from NYU for an exam I wanted to take back in 2012 that cost a little over $300. I paid for the test, but ended up not taking it, and was given a refund. Fast-forward a year and a few months later, I receive an email from NYU saying I owed the money. I talked to a guy who worked there and he told me that for one reason or another I had not been officially dropped so the system shows that I was still registered for it and that I owed the money. After arguing my case, he finally "officially" dropped me and I was told by him that that would be the end of that. Come a few months later, I now see that they submitted that charge to collections which completely blows me away. I am now left in a spot in which I dont know what to do? Do I call the school? Do I try and find out who the collection agency is and try and contact them? Do I file a dispute with the Transunion and Equifax (although I noticed there is only 250 characters allowed for you to give details of your case...). This is really bothering me and I'm really hoping this unfair $300 charage has not just messed up my credit for years to come... Any help/advice would be very much appreciated!!!
