Thank you myfico friends! My first medical collection was deleted by using the pre-hipaa letter and my score went from 589 to 606 overnight! I still have a long way to go, but I am at least seeing some improvement. Thanks again!!!
12-18-2008 EX 612, TU 606, EQ 568 
I just reaIized that a GW letter I sent for one 30 day late worked too. I guess with the GW letter and the medical collection being deleted, I gained 17 points. I am so happy !!!! Thanks everybody for your help! 
