Credit Card Center Advertiser Disclosure

Posts: 230
Registered: ‎10-01-2012
0 Kudos

In terms of priority - which should I attack next?

To get the biggest boost in score (potentially), which of the following baddies should I begin to attack and in what order?


Medical collection from 2010 - $1200

Medical collection from 2010 - $500

Univ of MD collection from 2011

$2100 (tuition over-reimbursement, they gave it to me and I spent it, then they wanted it back, lol.  Personally, I think they should eat that, but whatever, I have to pay it!)


Fed tax lien

Owe $2300 (2003) / with interest & penalty $6000 / lien for $10,000 (2008)  I have no idea why the lien was so much more than the actual amount, but they just sent me a statement and that's where it stands.  I'm wondering if I can just offer them the full $2300 adn ask them to erase the interest, I'm on disability so I should have a good shot at the sympathy vote!


I'm guessing popular opinion will be the fed tax lien, right?




If my other efforts are successful (which I believe they will be) these will be the final baddies on my reports - minus items that were IIB 2006, so nothing I can do about those, just let them drop off next year.  The BK 7 stays until 2016, can't do anything about that either.


I have a paid state tax lien, but there doesn't appear to be any relief from that.  Apparently there's some bill trying to make its way through Congress (or whoever does that stuff, lol, have to pull out Schoolhouse Rock again) but its taking FOREVER, that will allow states to implement a program like the IRS has, to withdraw paid liens.  In the meantime, I'm attempting a GW letter to the state, just for **bleep**s and giggles.

Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
0 Kudos

Re: In terms of priority - which should I attack next?

+1  You said it, the federal tax lein.  It will stay there forever unless paid.

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.

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.