Thread: help?

I have been having credit since the age of 18 and have never been late on a payment for anything I have purchased. I am now 29 and my credit score was 730 2 months ago. I went to the bank today to refinance my home and get some extra cash so I can finally complete remodeling my home and pay for a new sewer treatment plant that needed to be installed. I paid for the sewer plant out of pocket thinking that I would be able to put the money back in my bank account when I refinance. But when the bank I have been dealing with (for over 12 years) tried to pre-approve me, they found my score to be 618, so they wont lend me the money. SHOCKED as all h#@!!, I came home and checked my credit report and found that a medical bill of $184.00 was sent to a collection agency. Now I am set back $6000.00. I did get a bill from my family doctor about 4 months ago, but when i went in to pay it, the receptionist told me that my account was paid in full and that was not a bill. I asked her to double check it and she came up with the same answer. Now I have this score of 618. I never been in a situation like this and I dont know where to begin. I will be calling the doctors office tommorrow but I guess its out of there hands now that some collection agency has it. I also never received anything in the mail from the collector that has this, or any collector for that matter. Sorry about the long post, but I am a nervous wreck right now. It just sucks to work so hard to keep ypur credit good and then something like this happens.