<prompt> Human: BackstoryI recently went to the ER; My mother who was with me, works at the hospital and knew everyone personally. 700 of the bill was for the Dr visiting my room, but he actually 100 never did, it was his PA that took care of me the entire time. So she has been disputing that charge.Im 26 so still on her insurance, but the bill came to her house and was under my name. I had no idea the bill was under my name, or that it was going to collections because I moved to another state and havent been home recently, and she was taking care of it.I just checked my credit score and it dropped from 759 to 640 ! What the actual fuck. Im really worried because I am planning to buy my first house in the next 6 months, and am in the process of starting my own business which I will want a business loan and line of credit for within the next 2 years.Questions How is this drop in my score going to affect me? I paid the bill immediately this morning once I figured out what had happened; Im assuming this wont magically make my score go back up to 759 that it previously was? Is there any way I can disputeremove the collection from my credit and have my score repaired to what it previously was?Assistant: Its going to hurt. You have a new collection on your report now, and it will be very difficult to get someone to approve you for a mortgage right now, near impossible. Paying a collection actually doesnt help your scores at all once the line appears on your report - the damage comes from you having a collection, regardless if you paid it or not.You need to either wait for the impact to fade some 6 months-2 years min or get the collection removed. Luckily, medical debt isnt that difficult to remove off your report. Visit creditboards.com and look up their threads on using HIPAA and privacy laws to challenge it and get it removed. It costs you a few stamps and a couple of months, maybe enough time to still get a mortgage in your 6 month window.And, since you are looking for a mortgage soon, you should read up on credit reports and FICO scores, and make yourself look as good as you can. You can influence your scores a great deal when you know what you are doing.Human: Thanks for the reply. Thats the thing, I do know what Im doing and I have taken my score from 700 because of zero credit history in college to 760 just from getting a card and paying it off every month in the last two years. Thats why this hurts even worse because I had no control over it, and my score was absolutely perfect and gaining every month.Shes willing to take the hit on her credit score, because she doesnt need credit for absolutely anything and will not in the future. House, car, etc all paid in full. In fact she bought all of them outright with cash at the time so she didnt even need a good credit score then lol. Is there not a way to contact them and say hey this is on the wrong name, please switch it to her account instead of mine ? I assume they would need approval of both parties, but that wont be a problem because shes willing to do so.Assistant: Unfortunately, You have paid the debt already. There is no option to transfer it to your mother so that she can take a credit hit. This type of action, should have been done via a dispute of the debt belong to you prior to paying the debt.Human: Ahhh not the answer I was looking for lol. Hopefully she did not get around to paying it this morning like she said she would when we talked 3 hours ago. If thats the case, then I can transfer the debt to her and my credit will be fully restored right?Thanks for all the help.  <response>: No matter how many times you reask the answer is no...no matter how bad you hope the answer will change to yes it still will be no...because you got all freaked out and paid the debt off you accepted responsibility for the debt...not trying to be a dick, but that is how credit works...your only option is to follow uchocolate_soymilk advice to write the letter of goodwill 