Here was my experience. Like all you my load officer notify me 30 days before I will buy a house of Experian record in mu otherwise perfect credit report. Note from Prof. Accont Mgt company lowered my score 100 points. Next month paid all the tickets. Like the rest I was NOT notified about collection actions BEFORE it went to collection. I disputed the items with Experian. Month after Experian DELETED all the record of the collection HOWEVER then TransUnion added that I was sent to collection and the account was paid which still lowered mu score 100 point with TransUnion this time. TransUnion added this to my report when Proffesional Acct sent the notification about account being closed and paid.
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