Finally - Clean report in 5 months

[BarryNTexas]

Proud to say I have a clean file after 5 months of hard work getting 14 medical collections removed.  Also today my only $100 state tax lien rotated off.

All three scores in the 700s!!! Darn right!

Question:  I opted out of promotional reviews on three credit reports and wonder if now I should opt back in?  As you can see I really don't need anything else as I have been adding lots of trade lines even while getting my collections taken care of.

[dursty87]

Congrats! Having a clean file is a great feeling isn't it? As far as opting in, I say go for it, you never know what might show up in the mailbox one day!

[luisnunez2]

Did you have to pay them to get them removed?

[luisnunez2]

Congrats that is a big accomplishment!

[Anonymous]

I'm new here and I'm in the same boat. 11 medical collections accounts (2 surgeries to pretty much rebuild my leg)

Can you provide any insight as to how you did it? Pm would also work!

[BarryNTexas]

No...  no pay for deletes.  No money transacted.  Most tof the collections listed were wrong and the original insurance paid what was deemed fair.

[joedtx]

That is Fantastic......Congrats Barry!

[Anonymous]

Do you have any sample letters that you used to help you in this process?