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Ok, so can you guys first confirm for me because it's been a while and only happened once, when a medical bill hit my credit report, didn't that make my fico go down, its been a couple of years, but neverless at some point im sure it took me down a few notches. Secondly, I have fought and fought it and finally gotten it removed as it was paid wayyyyback in 2003. Now that it has been removed, does that automatically improve fico, since I never should have taken a hit for it in the first place?
Thanks for your feedback in advance!