Imagine the anxiety of watching your credit score unexpectedly plummet after spending your entire adult life maintaining good credit.
Now suppose this credit decline blocks you from getting a mortgage on the house you planned to buy.
That’s precisely what happens to many mortgage applicants all across the country with surprisingly high frequency.
All too often the culprit is unpaid phone bills. In some case's your cellphone provider will send an account's to a collection agency after being just more than a month late, especially on its cancellation fee. That causes your credit score to drop like a lead pickle, approximately 80 points (out of a theoretical 900) virtually overnight.
It never should have happened that way. Collections are meant
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