<prompt> Human: Im in desperate need of help. I had to move for college in the Northeast from Miami, FL and around the same time my grandmother got very sick so my entire family ended up moving from Miami, FL to the Northeast to take care of my grandmother - unfortunately, she passed away.I had opened an account with the South Florida Educational Credit Union when I was still in high school in Florida. I never really used the account, however it had been linked to my Paypal account at some point a fee went through and it got charged to that checking account which I never really used. The fee was just enough to put me at a negative balance, by a couple of dollars and then the credit union covered that fee and charged 31 to cover it. The sad part is that they kept notifying me by mail to my FLORIDA address when no one was living there! I never received information that the account went negative since I never received mail and they never cared to email me about it!!!They sent my account to a collection agency for 31. The account got charged off - my near perfect credit score 760 tanked to 590. Now that I am in college I am about to graduate and I had gotten a really great offer from a financial services firm. When I signed the offer it was contingent on a couple of things but it was also contingent on being in good financial standing. They informed me of the 31 charge of and I didnt know what to say over the phone since it was the first time Id ever heard of it. Not only did my credit score tank but Ive been reported to ChexSystem as well. Which means that I cant open a new bank account. My life has gotten seriously destroyed for 31 which I didnt know about. Between possibly losing this job opportunity which Ive worked so hard for and the loss of my grandmother Im just utterly suffering. Ive had major anxiety, I cant sleep and dont even know what to do. I called the credit union but they didnt want to negotiate a pay for delete. Dont know what other options are. Please help :  <response>: First step: Pay the 31 ask for a Pay for Delete while youre at it, cant hurt at this point, explain to the job what happened. Any reasonable employer is going to understand that someone with an otherwise perfect credit report doesnt let it get tanked by intentionally letting a 31 fee slide. 