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When Joanna Yang applied for a mortgage pre-approval she received a jolt. Two of the credit scores her lender ran were nearly 100 points lower than the first. The reason: A vet bill showed up as being in collection. It was a mistake that was supposed to have been cleared up.
So, with the mortgage on hold, the Winchester woman tried to straighten out the mess as quickly as she could. She filed disputes with both credit reporting agencies and had lengthy dealings with both the veterinary chain and the collection agency. Credit expert John Ulzheimer, president of consumer education for SmartCredit.com, said it’s important to first file the disputes, and get the company that made the error to acknowledge it.