egh68 wrote:Hello everyoneI'm new to fico and just subscribed to score watch and got my equifax score (642) this is what it looks like.3) collections unpaid and don't say to who but I'm sure it's medical1st Original balance $219Date assigned July,01,2002Date reported April 01,2008Date last active Sep 01, 20012nd Original balance $487Date assigned Aug 01,2002Date reported April 01, 2008Date last active Nov 01, 20013rd Original balance $487Date assigned Aug 01,2002Date reported April 01, 2004Date last active Nov 01, 2001On a positive note I have 3 accounts in good standing 1 with 0 balance and 2 auto joint with life partner who has helped me get a credit score because I started out with a score of 0 three years ago. What should I do now one of these has to be a duplicate but I don't know. Any help would be appreciated. I need a new lawn tractor, think lowes would approve me with a down payment?
I wouldn't do anything. IF you pay it then you start the statute of reporting it over. Let it fall off at the end of this year.