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First PFD Success - Medical Collection

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windupbird
New Contributor

First PFD Success - Medical Collection

After reading someone else's encouraging comments on here today, I decided to go ahead and call one of the CAs for one of my medical collections.  I just said "I want to pay in full, but I don't know what your policy is for this....would you consider doing a goodwill deletion of the trade line with all three CRs when I PIF?"  and they said YES!!!!!!!!!!!!!!  Thank you for the info and advice!! I will keep going.  It just takes on success at a time to build on, right?

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Shogun
Moderator Emeritus

Re: First PFD Success - Medical Collection

Congrats!  Yes, you are on your way!!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 4
windupbird
New Contributor

Re: First PFD Success - Medical Collection

Thank you!  I wanted to mention that the CA said that the hospital in question is the only client of the CA's that is willing to do a goodwill adjustment.  Not sure how that works (maybe the debt is still the hospital's / OC's and the CA does not own the debt, so that is why the CA must defer to individual clients 'policies).  I thought that was interesting.

Message 3 of 4
jadeite788
Established Contributor

Re: First PFD Success - Medical Collection

Do the Happy Dance.....


Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 668, 680 as of 11/12/13 lender pull
Current Transunion Score: previous 675,677 as of 09/23/13
Goal Score: 750

Take the FICO Fitness Challenge



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