@Anonymous wrote:Uggh, Really messed up on these two outstanding Medical Charges. For one $300 total dollars should never ever have gone to collections. Once they were there, I shouldn't have paid them without a promise to remove the entry. Professional Adjustment Corporation was into me for $230ish bucks and now is reporting "Paid in Full", but they will not remove the entry. How long do these things stay on, 7 years?
Yes, seven years. After two years they don't hold your score down as much. I am amazed by your story and your tenacity! Keep going and it will just get better! You are really doing such an outstanding job by first, admitting your mistakes to yourself and then making a plan to make things better. That is what it takes. In 2008 I filed Chapter 13. It took five years to pay it off and two more years to have the bankruptcy fall off my credit reports. During that time I learned so many things that have helped me in my rebuild.
You can learn everything you need in this forum to make those forward steps. Keep your head up and keep up the fantastic work!
Musiclover wrote:
@Anonymous wrote:Uggh, Really messed up on these two outstanding Medical Charges. For one $300 total dollars should never ever have gone to collections. Once they were there, I shouldn't have paid them without a promise to remove the entry. Professional Adjustment Corporation was into me for $230ish bucks and now is reporting "Paid in Full", but they will not remove the entry. How long do these things stay on, 7 years?
Yes, seven years. After two years they don't hold your score down as much. I am amazed by your story and your tenacity! Keep going and it will just get better! You are really doing such an outstanding job by first, admitting your mistakes to yourself and then making a plan to make things better. That is what it takes. In 2008 I filed Chapter 13. It took five years to pay it off and two more years to have the bankruptcy fall off my credit reports. During that time I learned so many things that have helped me in my rebuild.
You can learn everything you need in this forum to make those forward steps. Keep your head up and keep up the fantastic work!
+1 You can learn everything you need to know on this forum!
It is a great center of Knowledge, and people with incredibly relevant experience.
Good job thus far!
I hear ya about preferring CK scores to CCT. Unfortunately CCT scores are closer to what lenders will pull. CCT uses FICO 8, most lenders use some type of FICO scoring not Vantage. Lenders usually use a different FICO system than what's available for consumers. Some even have custom FICO algorithms they use.
Anyway, you're on the right track. Keep it up, you could be in the 700 before you know it.
