You can appeal with the three credit bureaus. They are:
Trans Union, Experian and Exquifax. Write a letter to them and explain what happened. One collection history should not affect your credit score too much. Close your unused credit card and make payments on time every month. You should be fine.
Trans Union, Experian and Exquifax. Write a letter to them and explain what happened. One collection history should not affect your credit score too much. Close your unused credit card and make payments on time every month. You should be fine.