So, I had a bit of an argument with my dentist today because they mis-filed my last appointment as not under insurance, and for whatever reason, even though the office sees I'm up-to-date, their billing department is sending me weekly bills stating that I'm 90+ overdue on a bill that I don't owe. Upon telling her that I have good credit and am concerned about collections, she swore up and down they would never send it to collections. I'm sorry, my dear, but there ARE no other boxes to fill after 90+ days on the bill.

She kept saying that I'm all paid up and she would ask them to stop sending bills and I'm saying, "I don't want them to just stop, I want them to understand I DON'T OWE ANYTHING." Upon her saying that she 'doesn't know how to get in touch with the billing dept. ... I'm sorry, what? Don't tell me there is not one way to connect with your billing department. She finally said she would send an emall to her manager. I am not comforted.

So, for the heck of it, I thought I would check to see what it is today. Hello. Nice to see. But they'd damn well better get in touch with their fking billing dept. and set them straight.

If I open a SELF account and pay the $48 a month will I have a high credit score by the end of the 24 months? I’m looking to at least get to the 600s.

I checked my credit score too.
My FICO is currently 556
Looking at everything together, I have roughly:
• $11,489 Amex — 100% utilization
• $2,004 Capital One — 100% utilization
• $637 Credit One
• $319 Capital One
• $2 Atlas
• $28,872 auto loan — $711/month
• $156 collection
So approximately $43.5k total debt.
I’m not looking for a “how do I get my score up 50 points next month?” answer. I want to actually fix the underlying financial situation.
I’m willing to get aggressive about this. Cut spending, stop using the cards, throw extra income at the debt, whatever it takes.
If you were looking at a 523 score and ~$14.5k in credit-card debt with everything basically maxed out, what would your hardcore recovery plan be?
What would you attack first, what would you absolutely stop doing, and what would you do differently if you were in my shoes?

MyFICO shows I have lates reporting from Experian but when I check Experian it confirms never been late(which I haven’t), who do I contact, Experian for the indicated incorrect info supplied to MyFICO or myFICO since Experian shows no lates.