Jerseysoulja, have you determined that you actually owe the $40.00? If not, Sprint obviously had no business turning that item over to an agency and you may be able to file action against Sprint and RPM as well. A couple sources to go to for help would be your local and state Consumer protection agencies, and the FTC as well.
Meantime, as for the $300, contact Experian, Transuion, and Equifax. You can insert an explanation in your credit po profile explaining that you had overlooked that debt, and paid it off as soon as you became aware of it (but honestly, Jerseysoulja, how could you be unaware of that you still owed a bill of that amount in the first place?)
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