I was sent to collections back in 2010 for a small debt ($70) for a utility bill I never paid. This actually came to my attention only several years later (2015) since nobody had contacted me about the collection. I decided not to initiate the contact myself and let it “expire” and the situation with other negatives really dealt with my score (below 500 on all 3 bureaus). I needed a business loan and I was denied so I ran to a credit specialist for help. Seven (7) days later he wiped all negatives, raised my score above 750 on all 3 bureaus and I was approved of the loan thereafter. Here is his contact details : C Y B E R D O N @ TECHIE dot CO M. He’s the best I have seen.