Anyone with 2 old collections with 700+ FICO?

[Vegas247]

Anyone with 2 old collections with 700+ FICO? My wife has two 5 year old medical collections about $200 each....and 5 credits cards and a car payment that have been payed on time for the last six years. Do you think she could be over near or over 700 Ficos? Her utilization on cards is about 12%.

[racer-x]

Well hell vegas, spend the $25 and pull the 3B report.

I have a 5yr old paid collection ($165 utility)  and am low 700's.

With the info you stated, I'd say she probably is.

[cjd]

It's definitely possible. In December I had a 694 with 60% utility on one card and 2 large defaulted loans that were almost 7 years old.

[Vegas247]

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@cjd wrote:

It's definitely possible. In December I had a 694 with 60% utility on one card and 2 large defaulted loans that were almost 7 years old.

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Cool, still trying to delete those collections off my wifes cedit before we shop for a house this summer. Anyone one else with 2 or more collections at 700 FICO score or better?

[Vegas247]

BUMP----Anyone else with 2 collections and at 700 or better real FICO scores????

[Anonymous]

I have a $39K unpaid tax lien and all my scores are all a little over 700. Not sure if Fico considers that better or worse than collections.

[Anonymous]

i have 2 closed collections on my TU/EX, EQ with none. score in sig

[Mm587]

ME.  ihave two old collections, one judgement, and two old tax liens...i peaked at 705 TU FICO.....with perfect payment for the last 30 months and a cc utililzation of 8 per cent.  it is possible....i am anxious for these to drop to see how high it goes.....

[Vegas247]

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@Mm587 wrote:

ME.  ihave two old collections, one judgement, and two old tax liens...i peaked at 705 TU FICO.....with perfect payment for the last 30 months and a cc utililzation of 8 per cent.  it is possible....i am anxious for these to drop to see how high it goes.....

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Wow, great score with all those derogs.......I think your perfect payment for the last 30 months and you 8 percent utilization pushed you over 700....... Hopefully that's a real Fico not a fako......Anyone else with derogs/collections with a good Fico?

[Anonymous]

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.