08-27-2012 07:22 PM - edited 08-27-2012 07:24 PM
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.
08-27-2012 08:05 PM
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.