Reply
New Contributor
Posts: 53
Registered: ‎02-23-2009
0

down to 3....still

after trying to have 3 paid med deleted...even after Hippa...they remain...was wondering just how bad the 3 are hurting the score...I read where paid or unpaid does not matter....and they are from  Sept 2004
Established Contributor
Posts: 767
Registered: ‎08-11-2008
0

Re: down to 3....still

tblank65,

 

They are 5 years old, they are not realy a big factor in your core.  As I have read after 4 years they hurt less.  If I were you I would get Names & adresses of the CEO's of these companies.  Ask for a goodwill gesture to remove them.   That's about all you can do.  I had 5 paid collections with Certegy and the Administrative Assistant got the letter and had them removed in one day.  She called me and let know that they would be off in a day.  The thing is Cetergy is owned by Equifax.  The CEO never say the letter, his Admin pulled the trigger for me.

 

I also would check and see if your Medical/Collection Agency is owned by some big company and get those names and adresses to.  It doesn't hurt to try.  By the way I got a 10 point jump.  It wasn't a lot but my CR looks much cleaner now.


Starting Score: 685
Current Score: 685
Goal Score: 750


Take the FICO Fitness Challenge

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.