So I’ve been working on rebuilding my credit and everything seemed fine when all of a sudden I got hit with an 130.00 collection from an old Tmobile phone I had about 5 years ago Its listed as a new account. Should I do a PFD? If I just call and pay it off will it drop my score? This really sucks since I’m looking to apply for a house soon. Advice is appreciated! Thank you!
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