Ok, I checked my experion report, I have 7 unpaid medical, one apartment collection for 1200, and a couple other small collections like a gym membership and AT&T bill. All the accounts comes to a little over 10K
I have the money to pay them off of course I will PFD first. Lets say they wont do a PFD but I paid anyways and they show up as paid. I do have a fingethut thats 90 days past and plan on paying that off on Tuesday.
I also have a BK but it's within months of falling off and didnt show up on any of my CR so i am thinking it fell off of course i used credit karma to check transunion and exuifax.
Once all my bad collections are paid i have no other baddies on my report and about 7 paid personal and auto loans from 07 and 09 from a credit union.
I have 19 hard inqu but 10 of them fall of towards the end of Sept 2017.
Should I get a couple secured cards after i pay the collections off and wait for them to either show paid or hopfully they get deleated? Right now my CS is mid 400's. I am hoping that I can PFD on at least the 7 medicals since they are all with the same company and come to about 9K.
