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I had a old 4 or 5 years medical bill pop up on my credit in August. This medical bill was brought by a collection agency. I paid the full amount so it disappear from my credit in September. The medical bill drop my credit score 22 points. The collection agency said I will get my points back in a month. It been almost two months and my credit score is still the same. What should I do because I need those points. My credit never has been bad I just never own anything so I basically have no credit. All I have is a couple of credit cards and student loan debts, all I paid for on time. My credit score was 697 and now 674.

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