Finally, after years of having collections showing in my credit report I now have 0 derogatory remarks in my report. YEI. I had four collections in my report. One I paid for delete then the other three got sold to new agencies so they were removed from my report. They contacted me. One was for library books. I received a letter and phone call so i decided to pay it. Then the other two were held by the same collections agency. They sent a settlement letter for 247 for one and the other one for 267. Orig amount $950 and $1085. It was two ambulance rides. I had back in 2012. No ins at the time. So, now that i have no more collections in my record I can actually answer the phone. Lol. I've been bad with credit and have always had about three collections reporting. I promise to make a payment plan next time i cant pay a bill. I just feels great! And I recently hit 703 Fico 8 score.
Congratulations! With a 703...it sounds like you learned that lesson! 
Congratulations!
Now that you're clean, there's no reason why you can't be at 760+ in 6-9 months.
Congrats again!
Dup threads have been merged into one... Grats to your success OP
