Product: Credit reporting or other personal consumer reports

My name : XXXX XXXX XXXX. ( AKA J. XXXX XXXX, Ed.D., and variants of that. ) XX/XX/XXXX : I've had a severe decrement in my credit as of ( approx. ) XXXX XXXX - even though my balances were relatively low, and ALL PAID on time, EXCEPT a ~ {$23.00} charge on XXXX, even XXXX when I went to XXXX site it showed {$0.00} XXXX. (? different account ). 
Finally I just sent what XXXX said I owed, XXXX dollars, to shut them up. However, my credit remains in the basement, at approx XXXX. 

XXXX : SAME PROBLEM XXXX noted ( that I find, anyway ) XX/XX/XXXX ( no year found ), possibly XXXX or XXXX, which was, somehow, eventually corrected. Unfortunately I don't seem to have a record of how I got my EXCELLENT credit rating back ( though records may be stored off site. ) My Credit Dispute Background. I am a XXXX y.o.XXXX XXXX XXXX XXXX XXXX. I receive XXXX XXXX benefit payments ; my eligibility dates to XXXX ( age XXXX ), first as XXXX after diagnosed XXXX XXXX XXXX ( XXXX ) was recognized by the U.S. XXXX XXXX XXXX in XXXX, later converting to age-related benefit. 
Recently I began working again ( at XXXX ) in my capacity as XXXX XXXX Suddenly and significantly my income increased- I IMMEDIATELY PAID ALL OUTSTABDING DEBTS I could identify. 
After so many years my CREDIT SCORE INCREASED SIGNIFICANTLY XXXX or 2 months ago after I paid off EVERY DEBT I could identify - gladly using most of my new job 's income to pay down debt - including a recent $ XXXX auto repair bill ( XXXX ) and ALL my credit cards ( which I I'd been ttracking carefully, eg, XXXX, XXXX ( with a balance formerly fluctuating between {$500.00} to its - relatively low - maximum ) down to XXXX. 
SUMMARY : ALL my DEBT BALANCES went to XXXX - including XXXX, which recently changed its name AND policies, apparently. 
Please understand : XXXX. XXXX the amount owed is valid, then I did XXXX, but by less than XXXX week, a due-date for the final payment to XXXX : of {$25.00} or less - {$23.00}, I believe. ( Yes, that is twenty-three dollars. ) XXXX. I had more than {$50.00} allocated to XXXX, in the app, which reasonably could have been used to retire the low amount still on the books, IF ACCURATE, before the XXXX changed name FROM ( XXXX XXXX ) XXXX TO ( XXXX XXXX, XXXX XXXX XXXX XXXX, if I have it right. Why didn't they simply garner that? 

In the past I was happy to deploy resources to pay off all debts, and it helped back then. 
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Recently ( XXXX ) I also XXXX much of my new job 's income from part time job administering XXXX XXXX ( & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to eliminate all outstanding debts, etc., and save for my younger son 's upcoming college, etc. 
Now, I find myself hoping to restore my " good name, '' i.e., my credit rating - which once AGAIN has plummeted, from hard-won XXXX, which took years to regain, to somewhere near XXXX - overnight - apparently because of XXXX issue - THAT I COULD NOT EVEN SEE on any report, nor was I ever even billed for this " debt '' - and which was NEVER pointed out until delinquent at {$25.00}, very recently. 
Hope you can help. I appreciate, first of all, that an agency like this exists (! ), and, of course, I'll be grateful if you can help. As I say, I'm XXXX, and my energy for this type of fight is waning ( Sorry that at this point I'm whining! )