I am having problem with collections. Last year I worked hard to clean up all of my collection accounts and had them all removed. Now, another account has appeared again. Last year I had this account removed by another collector who could not fulfill my request for DV.
I got a dunning notice last week from a new CA and I immediately sent my DV request to them CMRRR. However, through scorewatch alert I found out that my score dropped by almost 40 pts!!!!!