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FootprintsInTheSnow

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3-year-old paid collection account just now reported as closed?
I paid a medical bill three years ago and it just now showed up in my credit history as a closed collection account, paid with a $0 balance. I'm not even sure what to do about it, but my Equifax score dropped 22 points. My score with TransUnion remained the same.

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Ask the credit bureau to check the validity of the item..... Write a letter or do an online dispute.  If something is not accurate it will be removed.

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