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Credit Karma or CK scores are what are known around here as FAKOs, they are based on a completely different algorithm than the FICO scores that most people post here. Some people have reported differences of up to 100 points between the scores on CK and their FICOs. Next step, check for any prequalify offers at Capital One, when you put in your information if it says "Congratulations" then you're prequalled for whatever is listed. If nothing comes up then app for the secured card there. Many people have gotten approved for a Cap One unsecured card when they wouldn't get approved by any other non-predatory lender.
thanks so much
For the medical collections google the HIPAA Letter Process and follow it exactly as laid out. If you have any problems finding the website or have questions PM me.