Credit bureaus and score curiosity

[Anonymous]

OK here goes. I'm curious about my scores and I'm wondering if anyone can help. My current scores are tu: 631 ex: 582 ex: 580 (somewhere around there). I have child support on eq but I also had a couple medical collections on all 3. Seems like when I disputed the one/s on tu and it was deleted, along with new credit posting, my score went up...my other scores haven't. I want to dispute these collections with ex and eq but they're saying they can't verify my identity...even with me having a cr from ex on hand. Anyway I want know know if these Med collections are possibly what's holding my score back or could it be something else?

(Pretty new to credit and still learning)

[Anonymous]

Collections are generally a big black mark, so it is very possible that they are driving your score down, especially if they're more than 180 days late

[Anonymous]

Yea they're from 2011. I want to get them removed but I'm having trouble verifying my identity

[RobertEG]

Were your disputes made via their online portal, or did you file a paper dispute and they still challenged lack of verification?

A paper dispute that includes a copy of a government issued ID should satisfy any identity verification requirement on their part.....

[Anonymous]

I tried using the online portal and can't get in because it's saying they can't verify my identity. I even got a report in the mail from experian and still can't get in using the report number.

[Anonymous]

As for the child support it does not effect you scores see this link. http://www.myfico.com/CreditEducation/WhatsNotInYourScore.aspx Concerning the medical collections google the HIPAA Letter Process and follow it exactly as laid out. If you have problems finding the website or any questions PM me.

[Anonymous]

OK thanks for that info

[Anonymous]

You can always call Experian. It worked just as well for me.