http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/down-to-3-still/m-p/611251#M90733 <p>tblank65,</p><p> </p><p>They are 5 years old, they are not realy a big factor in your core.  As I have read after 4 years they hurt less.  If I were you I would get Names &amp; adresses of the CEO's of these companies.  Ask for a goodwill gesture to remove them.   That's about all you can do.  I had 5 paid collections with Certegy and the Administrative Assistant got the letter and had them removed in one day.  She called me and let know that they would be off in a day.  The thing is Cetergy is owned by Equifax.  The CEO never say the letter, his Admin pulled the trigger for me.</p><p> </p><p>I also would check and see if your Medical/Collection Agency is owned by some big company and get those names and adresses to.  It doesn't hurt to try.  By the way I got a 10 point jump.  It wasn't a lot but my CR looks much cleaner now.</p> Fri, 18 Dec 2009 20:40:25 GMT gigi5 2009-12-18T20:40:25Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/down-to-3-still/m-p/611237#M90731 after trying to have 3 paid med deleted...even after Hippa...they remain...was wondering just how bad the 3 are hurting the score...I read where paid or unpaid does not matter....and they are from  Sept 2004 Fri, 18 Dec 2009 20:04:51 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/down-to-3-still/m-p/611237#M90731 tblank65 2009-12-18T20:04:51Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/down-to-3-still/m-p/611251#M90733 <p>tblank65,</p><p> </p><p>They are 5 years old, they are not realy a big factor in your core.  As I have read after 4 years they hurt less.  If I were you I would get Names &amp; adresses of the CEO's of these companies.  Ask for a goodwill gesture to remove them.   That's about all you can do.  I had 5 paid collections with Certegy and the Administrative Assistant got the letter and had them removed in one day.  She called me and let know that they would be off in a day.  The thing is Cetergy is owned by Equifax.  The CEO never say the letter, his Admin pulled the trigger for me.</p><p> </p><p>I also would check and see if your Medical/Collection Agency is owned by some big company and get those names and adresses to.  It doesn't hurt to try.  By the way I got a 10 point jump.  It wasn't a lot but my CR looks much cleaner now.</p> Fri, 18 Dec 2009 20:40:25 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/down-to-3-still/m-p/611251#M90733 gigi5 2009-12-18T20:40:25Z