<prompt> Human: Hello everyone!Im in the process of changing jobs, and with that trying to downsize. Have been trying to find a cheaper apartment, trade my car in, etc. Found out today that last week I had an account go to collections from a gym membership that I had cancelled after moving away from the area. I was never contacted and told there was any outstanding charges.My score dropped from 680 to 586, with this collection and one hard inquiry from searching for an apartment. I called and paid it off, but was wondering if and when my credit would begin to improve? My rates for car loans have gone up substantially after this change, and is making it difficult to find something in my budget.Any advice? Thanks!!Assistant: A lot of people cancel gym memberships without:1 Getting proof they cancelled2 Understanding the effective date that the membership will actually terminate after notice is givenx200B;The result is what you are facing. So do you have evidence you cancelled and did you check your contract to see when cancellation would be effective, a lot of gym membership contract are set up so that if you cancel you will still owe at least one more months payment.Human: From my understanding, I did.Sent in the cancellation request with the necessary cancellation fee cashiers check which was cashed.Im at the point now where just wondering how long this will affect my credit? It was in collections for about a week until I found out today and paid it. The massive drop is killing me.  <response>: Paying it twice was an incredibly stupid move 