Hello,  I had a medical collection that originated on my credit report on sept. of 2007.  The bill was sent to my old home address while I was away at school, (It was a med. bill that my mom neglected to inform me about).  It only showed up on my Equifax and Experian (FACO) reports.  I was able to get it removed on my Equifax (by disputing it on this site). But it is still showing on my experian report.  I sent the collection agency a PFD letter, but was only returned a statement.  I decided to mail in a payment for the amount of 26.21 to pay it in full.  It is now showing on my experian report that the account is closed, paid.   My question is this...will this closed, paid status still affect my score?  If I were to send a GW letter to have it removed from my report, do i send it to the collection agency or  Experian?  thank you for your help.   Julie/ ... View more

I just wanted to thank all the members that have poured so much of their knowledge and experiences into these forums.  I never reallty paid attention to my Credit report and just ignored it.  This was ignorant, I know.  But after seeing that my score was 688 EXP & Trans in middle OCT.  I decided to fix it.  I want to have around 20k saved in the bank by july and improve my credit score to buy a new car-I am fresh out of college.  With the knowledged I gained from this forum  was able to remove a collection, and work really hard to pay down over 8k of revolving credit.  All this has increased my score to 788 today!   Thank you!     Julie ... View more

Hi,   I have a collection on my report that has been there for two years.  Its for a medical bill that was sent to my parent's address in cleveland.  Unfortuently my mom did not tell me about the 26.00 medical bill and refused to pay it...so it went to collections and its on my report.  I sent them a PFD letter last week.  I used a template i got from these forums.  Today, roughly a week after I sent the PFD letter, I got an invoice, and only an invoice, from them asking for the amountof $26.31. Does this mean that they have agreed to do a PFD?  It doesnt say on the invoice anywhere that they will delete the collection from my 3 reports (its only showing up on 2 of them).  SO my question is, should I pay it? or call them first and figure out whats going on?  Should I send another PFD letter?  anyone else have an experience like this with a PFD?  Any help would be appreciated.     Julie ... View more

I finally got up the nerve to check my scores online.  I am an optometrist that just graduated in June.  I was a little nervous to check it because I have accumulated some Credit card debt from my 8 years in college.  My student loans are around 126k and I have about 8k in cc debt.  my total cl is around 20k.  I checked my score and saw that my scores were transunion 727, equifax 679.  I noticed that on my equifax, I had a collection that had been on there for 2 years for $26.  I had no idea what it was for.  I read through the forums here, and decided to use the myfico dispute letter service first.  I sent that in the mail, no certify, to equifax on 10-9-09.  I had even drafted up a "pay for delete" letter that I was ready to send out certified mail this monday.  This was all on 10-8-09.    I decided to check my scores today and saw that my Equifax Fico score is now at 727 and my collection is off my Credit Report!!  It went up almost 60 points!!!  Now if i can get my cc balances down, I am sure to get those up...i wonder how much higher I could get them up?  I have never had a missed payment on anything in my life.  I am so happy the collection is off.  I say all this to anyone that finds any information on your CR that you are unsure of.  Take the time, and be determined to get this off your report, with hard work and persistance and researching, it will come off!!  thank you forum people for all your help and advice!!!     Julie   Trans 10-8-09:  727 Equifax 10-8-09: 669   Equifax 10-17-09:  727 ... View more