[virtualbong]

So I go into my credit union to pick up an Auto Loan check yesterday.

Everything was going well until I asked what interest rate would I be getting since I should get the best rate with my credit score which I believe was around 723 or something, at least that's what it was 2 years ago.

To my surprise she says that my score is 659. I keep myself from going ballistic and ask her to run another credit report to see why my score was so low since I don't miss any payments.

She runs the report and actualy finds out that my score 2 years ago was actually 765! So that pissed me off even more. She goes over my report and finds that there was a ATT Wireless payment for $43 that was never paid for. There was a ATT Wireless account opened for $43 back on 9/1/05. That really got me boiling since I haven't been with ATT Wireless for 7 YEARS! I guess the $43 was filed to a Collections company on 2/18/07, which is why it destroyed my credit score.

I am currently on the phone with Cingular wireless and they can't even find anything on me (which could be because they just merged recently). So now I have no clue if they'll find anything so I have no clue how I would get that damn thing off my credit report so that it'll bring my credit score back up.

Does anyone have any ideas? I'll take anything at this point. Thanks!

WIL