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This forum has been a tremendous help!!! THANK YOU!!! To everyone that post !!! I am learning so much…. I still have a ways to go to improve my score and clean up my report. I am not sure what direction I should go for both my husband and I. My score are a little higher than my husband. I’m thinking the 120-day late on the student loan caused his scores to take a big hit along with a few baddies. We are both sign with My FICO and Credit Karma. He has a lot of medical collection. Will paying these off help high score? This month I applied for tons of credit and added my husband as an AA. We had some times due to our son being extremely ill causing us to fall a little behind on a few things!! Now we are ready to purchase our 1st home within the next year using my VA loan I am just a little stuck on how I should attack these collections. Any help, guidance, assistance, strategy would be greatly appreciated. I would like to bump our scores to 700 across the board Dec15/Jan16.
312
$312
PAID
Sep 20, 2010
XXXXXX9916
Individual
Medical
Focus Receivables MGMT
ORIGINAL LENDER Time Warner Cable
ORIGINAL BALANCE $483 - $483
CURRENT BALANCE $483 - $483
STATUS Unpaid - Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
DATE ASSIGNED Jun 03, 2014 - Jun 03, 2014
ACCOUNT HOLDER Individual
St Of Md-Ccu (ERROR working on removal with the University and CCU)
Univ MD
$1,044
$1,044
Collection account
Oct 23, 2012
XXXXXXX
Individual
Placed for collection
Valley Credit Service
ORIGINAL BALANCE $111 - $111
CURRENT BALANCE $111 - $111
STATUS Unpaid - Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
DATE ASSIGNED Jan 10, 2013 - Nov 19, 2010
Medical
Kinum
09 Music And Arts
$1,067
$1,067
Collection account
Nov 01, 2014
XXXXXXXX3607
Individual
Placed for collection
COLLECTION AGENCY 491YC00000 - -
ORIGINAL LENDER - - -
ORIGINAL BALANCE $620 - -
CURRENT BALANCE $495 - -
STATUS Unpaid - -
DATE ASSIGNED Feb 28, 2013 - -
ACCOUNT NUMBER XXXXXX - -
ACCOUNT HOLDER Individual - -
DESCRIPTION Medical
Profess Acct (Should be removed soon)
PAID
District Of Columbia Govt
$360
$360
Collection account
Mar 03, 2015
XXXXXXXX
Individual
Placed for collection
COLLECTION AGENCY 241YC00000 Medicredit Medicredit, Inc
ORIGINAL BALANCE $239 $239 $239
CURRENT BALANCE $239 $239 $239
STATUS Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
DATE ASSIGNED Dec 30, 2014 Dec 30, 2014 Dec 30, 2014
Guardian Capital Manag
$363
Paid account/was a collection account, insurance claim or government claim or was terminated for default
Jun 07, 2011
XXXXXX
Individual
COLLECTION AGENCY 867YA00000 -
Credit Financial Service
ORIGINAL BALANCE $122 - $122
CURRENT BALANCE $122 - $122
STATUS Unpaid - Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
DATE ASSIGNED Dec 17, 2013 -Dec 17, 2013
Medical
Cab Coll
$3,921
$3,921
Collection account
Jan 19, 2011
XXXXXXXX
Individual
Account information disputed by consumer
COLLECTION AGENCY 905YC00000 -
IC System Inc
- -
ORIGINAL BALANCE $230 - $230
CURRENT BALANCE $230 - $230
STATUS Unpaid - Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
DATE ASSIGNED Aug 15, 2012 - Aug 15, 2012
Medical
American Credit Bureau
$547
PAID
Paid account/was a collection account, insurance claim or government claim or was terminated for default
Feb 17, 2012
XXXXXX
Individual
Dispute Resolved - Consumer Disagrees
Medcah Inc
$93
$93
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
Dec 02, 2009
XXXXXXX
Individual
Mrs Bpo Llc
Time Warner Cable
$445
$445
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
Aug 19, 2014
Individual
Online Collections
$319
$319
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
Apr 08, 2015
6031XXXXXXXXXXXX
Individual
COLLECTION AGENCY 491YC00000 - -
ORIGINAL LENDER - - -
ORIGINAL BALANCE $153 - -
CURRENT BALANCE $153 - -
STATUS Unpaid - -
DATE ASSIGNED Aug 14, 2013 - -
ACCOUNT NUMBER XXXXXX - -
ACCOUNT HOLDER Individual - -
DESCRIPTION Medical
Starting Score-EQ-605 TU-623 EX-608 (MyFico scores)/EQ-557 TU-562 EX-579
Goal Scores-720's across the board
Start on PFD offers for the accounst that you can afford to pay.
PFD is "pay for delete". This is where you offer to pay the account in exchange for it being removed from your credit reports. You can find a lot of information on PFDs by using the search tab on this forum and typing either "PFD" or "pay for delete". Just make sure you can pay in full at once, if they agree. If after several attempts of getting a PFD, then maybe you should go ahead and pay the collection and then try to get a "goodwill deletion".
I C Collections will delete your past due medical for payment in full. I had two medical accounts with them that were deleted after 30 days. I did not request validation. I knew they were mine and they were within the SOL.
For unpaid medical debt that is reporting on your CR:
1. Call the OC and ask that they recall the collection in exchange for full payment
2. Send the reporting CA a PFD offer
3. Google the HIPAA Process and contact its creator for help
For other types of debt you just eliminate step #3. Be careful with anything inside SOL they can still use the courts to get a judgment, you would only contact them if you can PIF. Welcome to My Fico and good luck in your rebuild journey