Using the help on these boards, I was able to help a client raise their FICO score to a 648 from a 520. All the client has on their credit report is 2 paid collections (one phone and one electric company), which they can live with. However, Sears has two accounts with a zero balance sold to collection company (which doesn't show up as the collection agency apparently didn't verify and it was deleted from the report) On Wednesday, sears changed the reporting to "Charge" and as a result, the fico score dropped to a 605 because the account is 120 past due. Are there any remedies the client has available as this will affect their ability to obtain a mortgage now.
It may be that the CA that was deleted has sent it back to Sears, as they were unable to collect. So the amount and everything was added back?
