I thought it would be a nightmare to get this fixed, but they were surprisingly prompt in rectifying this situation.
I eventually made payment arrangements with my creditors and negotiated a settlement for those that were in collections, but the damage was already done. I was in the low 700s and my credit score was in the 550 range.
It was the first time I’ve seen score go down this much, and I thought my life was ruined. Homeowners insurance obviously covered the damage, but I was responsible for paying for the damage upfront since the insurance check would come weeks after.