@egscoach wrote:Hi All,
Here is my deal. Current FICO at 689, up from 660 in approximately three weeks since I signed up. I have two medical collections that I found after receiving my free annual credit report. 1) $180 due to fall off 1/15. 2) $130 due to fall off 12/18 (crap) I had no idea these weren't paid by insurance but it is what it is. Both collections are from NCO. I sent a letter requesting pay to delete about three weeks ago but have yet to hear back. Questions: Is there a benefit to just paying both off? Should I just pay off the most recent and wait for the one in Jan 15 to fall off? Any pros or cons to either options?
My utilization is at 38% but I have knocked that way down from approximately 70%. I also have two charge offs from BOA that are due to fall off 4/15.
Thanks all for any assistance to the collections questions.
If you dont hear back on the PFD I would move to the HIPAA Process, you can Google it we cannot discuss it on this board. I would take care of the one set to fall in 2018 and if it were I just let the 1/15 drop of its own accord, at that point it becomes a Zombie debt then I would offer a low percentage around 20% to take care of it. A CA can attempt to collect forever but once its past states SOL they cannot successfuly use the court system to get the funds.
