[Bluephish]

pleas help,
I have no clue about how all this works.

Long story short, my g/f and i applied for a home loan, and got denied. Her credit score was a 609. Mine was a 704 but i am a at home parent at this time. So she had to apply for the loan.(because i have no income). She has a good job salary pay.
Now she did have debts back in college, 99-04, that went to agencies. These were all finally paid off about 2yrs ago or more. But after looking at her free tuc history we see at the bottom.
original collector verizon wireless,
new pin(nacle) cred(it) serv(ice).
last updated 6/2009, opened 9/2008.
original debt 315$, current 99$,
acct type collection acct.,
I have not received any phone calls or letters from them. ever.
she did have a debt to verizon in 05 she thinks she paid off to another agency called miracle financial we have a old bill from miracle in 05, and the acct# on the miracle bill is not the same as the pinnacle acct# on the credit report. and my current acct. with verizon dsl is in good standing.

So what do you all think i should do. This has to be killing her score.
If she forgot to pay the 99$ almost 5 yrs ago, why no calls or letters. I have no problem paying 99$ but what is the best way to get this taken care of to get her score back up fast. will her score go up if she just pays it off, and it closes.

I apologize in advance for any forum mistakes i am new.