earlier this month a medical collection appeared out of nowhwere and dropped my wifes scored alot (74 and 56 pts...but TU wasn't affected). So I got a PFD and a letter stating so. In a few days, her scores shot back up. That was almost 2 weeks ago. Yesterday, my wife's TU score dropped 56 pts. It is because of this deleted collection.
SInce myfico 3b doesn't update until August, I checked creditkarma and it says June 9 collection hillcrest (which is the one we have a pfd for). I guess it took this long to hit with TU.
what do i do? have my wife call TU and tell them about pfd letter and send to them? or have them recheck? or do i call collection agency and tell them it is still reporting with TU? what does anyone recommend? Thanks in advance for any help!
