Because I don’t have a filter, you all get to know in real time that I am freaking out this morning after opening up Credit Karma (a totally useful site that you should also use) to find that “1 account has gone into collections” and that my score dropped by about 25 points!
Also, it told me that “Going into collections has a major effect on your credit score.” Thank you, Credit Karma.
I’ll have to do more sleuthing when I get home to get to the bottom of which account they might even be talking about starting with pulling a free credit report, then taking the steps to start fixing it, then calming down.
I swear, just as things are getting on the right track…
And if anyone has advice, insight, or just soothing words, I’d love to hear them.
More to follow.