hi!there my name is jose g hernandez i was checking my credit report i found out that my credit score went from 702 to 581 some colection agency has put in my report a $55 debt they put it in my credit report and i dont know what's this about my credit reporting agency is premier credit manager my report #on 10 31 2009 is 2124651583 their phone #1 866 -541-6943 i hope you can help me whith this problem thank you very much ...