Question about three six year old medical collections.
Hello. I currently pulled my TU score from here today and it was 687. Would like to get up to 700 before home shopping.
I have 3 medical collections all due to fall off next year around this time. So my question is... Is it really worth trying to pay for delete these things? Amounts are for $615 $450 and 21 dollars. I mean really who sends me to collections for 21 dollars!!!! I really do not feel like dealing with some low life collection agencies.
I know there is no way to really predict if I would see a score increase or not. So I am open for any ideas. Thank you for your time.
Re: Question about three six year old medical collections.
Send them a DV, I know it's probably just a waste of time but some have had luck ridding the TL with just a DV. Especially since they are medical and that old. When are you wanting to apply for a mortgage? Some lenders want all these taken care of before approval. Can you do a PFD? You can probably even get them to settle for less since it's outside the SOL and time is running out on their ability to report.
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.