So, I’ve been on a long journey of credit rebuilding after defualting on my student loan an finally got my self above water with scores of 680 across the board. till… This morning i checked my credit report and a new account from a past due bill i had forgotten last summer came up on my experian and tanked my FICO score -47 points! im going to call the school tonight and try to work out a Pay for delete since its so new. but can anyone give me some adice on how to speak to these creditors? ill be calling directly to the state of maryland debt collectors office. thanks.