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Exactly! These guys/girls in here are very educated on what steps to take for credit issues.
In the latest TU scoring model, it does NOT factor medical or small (under $100.00) collections into the FICO SCORE. Prior TU models TU09 and earlier DO.
I wonder how many people use the latest scoring model. What about experian and equfax? Transunion seem to be the easiest to work with, the other two dont want to budge anything. Everything comes back verified, so now I will get with the OC and attempt a PFD, it is one hospital, I just dont remember these bills.