<prompt> Human: Recently had a call from debt collector company asking for 70 medical related fee which I had no idea was there. I paid instantly realizing the effect on credit score. During the previous few weeks I had seen my credit score dropped by 25 points. Considering it took me months to increase just 3 points; now out of nowhere 25 points gone within one week. What can I do to have the points returned? Is there a website I can find out all my medical debts without having to call the countless doctor offices I had visited during the last 1.5 years?Thanks for all the inputs.  <response>: My score varies by 10-15 points a month despite no changes in my habits or debts whatsoever. Youre probably attributing too much effect to this. Pay the debt off, wait a while, and it will pop back up. Also, as others have said, theres no functional difference between a 793 and a 768 that any creditor will care about. 