Hi kimbeec
You need to check the 3 credit bureaus: Equifax, Transunion and Experian. The collection is probably being reported by a different bureau than the one you are getting reports from. You can get an annual free credit report from the 3 bureaus at annualcreditreport.com (this is the official site).
You can also request reports directly from each credit bureau:
– http://www.equifax.com
– http://www.experian.com
– http://www.transunion.com
or to get a Fico score:
First thing you need to do is find out who is reporting that collection, then negotiate to have that collection deleted from your report.