@Anonymous wrote:Vegas..... With medical collections that old, I highly suggest you try the HIPAA letter program. My wife had 13 medical collections in October. Now ZERO. All either deleted or paid the the OC.
Ya, I did the Hippa law with my credit, and worked to perfection....I will do it for my wife....I called the OC and they talked to me about my wife renting out breast pumps for our baby without my wife's conscent and that she owed 150 dollars for it......by the way great job removing collections off your wifes.....I removed about 25 collections without paying a dime by debt validation and hippa laws and complaining to the BBB on some of them.....
$600 
$6500 
$30k 
16k 
12k VSiggy
@EW800 wrote:
I would think it is possible with two old collections. I have a forecloser and a credit card settlement showing from just over two years ago, with al scores now being in the 715-725 range (see below).
Wow.....great scores with 2 baddies! Looking at the Credit cards you have....you must have an old AAoA.....do you play the Utilization game where all cards report a 0 balance and 1 card has less than 10% utilization? Or is your utilization on your cards very small? OOOOOPS NEVERMIND, I JUST reas your signature where your utilization is nothing but on 1 card...good man, I do the same.
@Vegas247 wrote:
@EW800 wrote:
I would think it is possible with two old collections. I have a forecloser and a credit card settlement showing from just over two years ago, withal scores now being in the 715-725 range (see below).Wow.....great scores with 2 baddies! Looking at the Credit cards you have....you must have an old AAoA.....do you play the Utilization game where all cards report a 0 balance and 1 card has less than 10% utilization? Or is your utilization on your cards very small? OOOOOPS NEVERMIND, I JUST reas your signature where your utilization is nothing but on 1 card...good man, I do the same.
Thanks. Yes, as you saw, I only allow a few dollars on one account to report. I am not planning to apply for anything for at least the balance of this year, but I still am trying to optimize my scores. This rebuild has literally turned into an obsession. 
I have two derogs left on my report that is suppose to fall off December 2015 so we'll see, My scores right now are around ~650 but I have about 60% utilization lol which is probably keeping me there.
I have 2 paid tax liens and a medical collection for what it's worth.
@mmmlive1999 wrote:I have 2 paid tax liens and a medical collection for what it's worth.
Thanks for the input.......how long ago are the baddies.......680 to 710 seems to be about the scores people are reporting with 2 older baddies.....
@Vegas247 wrote:
@mmmlive1999 wrote:I have 2 paid tax liens and a medical collection for what it's worth.
Thanks for the input.......how long ago are the baddies.......680 to 710 seems to be about the scores people are reporting with 2 older baddies.....
I think it's doable as long as you have low inquiries, a decent AAoA, 2 years+ and a few revolving credit cards and/or installment loans.
@Vegas247 wrote:
@mmmlive1999 wrote:I have 2 paid tax liens and a medical collection for what it's worth.
Thanks for the input.......how long ago are the baddies.......680 to 710 seems to be about the scores people are reporting with 2 older baddies.....
Collection is due to fall off in July, so 6.5 years reporting on that one. The liens were reported in 08 and 09. Hope that helps