Credit Card Center Advertiser Disclosure

Valued Member
Posts: 25
Registered: ‎05-13-2012
0 Kudos


I'm doing my best to try and get more educated on how this credit machine works.. In my recent experiences, I've paid off items that were in collections to the original creditors, and those items fell off of my report within 30 days. No disputes, no HIPPA letters or anything like that. My advice to anyone that has collection issues, is to keep all of your original creditor info... bills with account numbers, date of service, original creditor name, e.t.c. <Pay those guys, and not the collection agencys... If the bill is too big to pay off in one payment, See if you can go to their web site and pull up your info there.. Pay what you can, and as much as you can until you get it knocked out. Then call them (with the account#) and ask them if you're showing a balance. If not, then ask them if they can take it off of your credit report. If not, thats when you send a HIPPA letter, or dispute it .. (with collection agencies).. Now on the other hand.. You can pay the collection agency.. but it will still show up on ur credit as a collection. My credit score with equifax jumped 40 points for knocking out two collections. I pray that I helped somebody with this info today.. As we all work hard to have the things we need and want in life!Smiley Wink

Handle ya bidness, It pays!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.