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Frequent or repeated calls. I took the loan out in XX/XX/XXXX to help start a XXXX XXXX position and immediately following, I was rushed to the hospital with barely a XXXX. I was in the hospital for days and was XXXX for the remainder of the year. They started reaching out during the spring XXXX to collect and I explained everything that happened. I was going to pay as soon as I was able to return to work. It was transferred to National Credit Adjusters and I spoke with a representative about payment and deletion of this negative information in XX/XX/XXXX. It has been months since I paid it off but it dropped my credit score to XXXX from XXXX. I am trying to buy my home back after doing a quick sale when I was getting separated in XXXX. The man who bought it, was aware of my situation an