$60 is ruining the score: please help!

[Anonymous]

I only have this collection in EQ. Here is all that's on the report:

DBA COLLECTIONS & ADM SVCS 
Agency Address: XXXXXX
Date Reported: 11/2004
Date Assigned: 02/2004
Creditor Classification: 
Creditor Name: SUSSEX EMERGENCY ASSOCIATES
Accounts Number: XXXXXX
Account Owner: Individual Account.
Original Amount Owned: $60
Date of 1 st Delinquency: 06/2003
Balance Date: 11/2004
Balance Owned: $0
Date of Last Activity : 15/11/2004
Status Date: 11/2004

No drop date... =(

[Anonymous]

DOFD 6/2003 - should drop no later than 7.5 years from then so 12/2010

BTW, you get a grace on med collections with most mortgage lenders.... they do not have to be paid  off to get the mortgage; and since this is already almost 5 years old - really not hurtiing you trememdously.

[Anonymous]

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Lady_Scarlet wrote:

DOFD 6/2003 - should drop no later than 7.5 years from then so 12/2010

BTW, you get a grace on med collections with most mortgage lenders.... they do not have to be paid  off to get the mortgage; and since this is already almost 5 years old - really not hurtiing you trememdously.

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Thanks Lady_Scarlet!

Don't they determine your rate by the average FICO score though?

Cause if they do then it won't matter whether it's a med bill or some other one.

And if they don't look at the score, what would be my best move to fix it anyway? Are there any chances or I'm pretty much doomed until 2010?

[Anonymous]

Most companies use you MID score.

Beware- EQ used DOLA for removal dates

I would dispute this either way.