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
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