<prompt> Human: Long story short, I noticed my FICO dive from 793 to about 697 this weekend. Stunned, I did a credit check and found that I have a new derogatory item for a 221 bill from a dentist that I knew nothing about.Apparently this bill was from December for my adult daughter who lives on her own but was covered on my insurance since she was under 26 at the time. I have not received anything from the dentists office or the collection agency. Would not have had any problem just taking of it for her earlier had I known.Is this something I can successfully dispute?  <response>: Ive been in similar situations. Call and tell them she was above 18. File a dispute if they try to argue about it. You should not be responsible for this unless you took her and signed something specifically saying you would be. 