I received a scorewatch last month indicating my score dropped 33 points!!
I checked my report and there it was a medical collection for $29!!
Beware of those little medical bills - I have 2 medical carriers (from my employer and my husband's) and they constantly play ping pong with our claims. His is supposed to be primary - then sometimes his isn't billed, then nothing gets paid. I always have to call the insurance company.
Anyhow, I did a PFD!! and it was removed and guess what I got my 33 points back!! (the exact same amount).
oh happy day!