No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I have 2 small medical collections from a hospital on my credit report. They do belong to me. They are from a collection agency.
1. I understand that if I pay the collection agency the full amount due that it will NOT help my credit score. Is that true ?
2. Is there anything I can do to have these removed from my credit file ?
3. Does anybody know if I could still pay the hospital directly and ask them to remove the 2 collections ?
4. Does a collection agency have the ability to remove from my credit report if I pay them in full ?
Thanks
Hi Vettecor - Welcome to the boards.
I'm new to the boards so I'm no authority on any of this. However, I've done a ton of reading and figured I'd point you in a direction that helped me. IMO you may benefit from attempting a PFD (Pay For Deletion). Here's a thread that you can check out that will help you understand how this works. You'll also find a ton of threads listed with success stories of people being able to accomplish this:
I hope this information helps you out!!!!
@Vettecor wrote:I have 2 small medical collections from a hospital on my credit report. They do belong to me. They are from a collection agency.
1. I understand that if I pay the collection agency the full amount due that it will NOT help my credit score. Is that true ? Yes, it is true. Won't help your FICO.
2. Is there anything I can do to have these removed from my credit file ? Ask for a PFD - pay for delete. You pay, they delete.
3. Does anybody know if I could still pay the hospital directly and ask them to remove the 2 collections ? You can ask the OC if you can pay and recall the debt from the CA. They can also ask them to remove their TL but the CA doesn't have to do that. The OC has to still own the debt to take your money.
4. Does a collection agency have the ability to remove from my credit report if I pay them in full ? Yes they do. A PFD.
Welcome to the forums.
Thanks
Thank you so much for ALL of this wonderful information.