This is what I did. It may or may not work for your situation.
I started my credit rebuild in 7/2014. My Fico scores were 588(lowest) 608(highest).
I pulled my reports and saw 6 medical collections on them. All were small amounts, $25.00 the lowest, $150.00 the highest.
I didn't know anything about these bills. They were at a local hospital, and assumed them to be my then wife's co-pays(we were separated at the time). It didn't matter though since I was the primary on the insurance I had to pay.
I contacted the collection agency, talked to them. I suggested if they will knock some off the bill, and agree to deleting in writing, I would send them a check as soon as I got the agreement in the mail.
They knocked off 20% and agreed to the delete for pay in full.
It took almost two months to see the baddies drop off. But it was worth the wait, because they are gone now and I am in the low 700's.
Too make a long story short, contact the creditors and see what they will take to delete these negative trade lines. It might work. But then again it might not. You won't know till you try.
