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drop from 790 to 630 due to $70 collection

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Anonymous
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drop from 790 to 630 due to $70 collection

Need the best advice quickly -

 

My credit scores were around 800 until one medical collection for $70 reduced my score to low 600s. 

 

I've tried pay for delete and they are not agreeing.  They've sent information to evidence the claim. 

 

I've been told that if I pay it off it won't improve my score neither quickly nor dramatically.  Can I expect a jump back up to the 750 range if I pay this off?  Other than this one blemish, my credit is very strong. 

 

Should I pay this off as I'm looking to qualify for best mortgage option in the next 90 days.  Thanks!!!

Message 1 of 3
2 REPLIES 2
MarineVietVet
Moderator Emeritus

Re: drop from 790 to 630 due to $70 collection

This is being addressed in the Rebuilding Your Credit Board.

Message 2 of 3
Lel
Moderator Emeritus

Re: drop from 790 to 630 due to $70 collection

Locking this thread and redirecting to your similar thread here:

 

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/medical-collection-account-of-70-reduced-my-s...

Message 3 of 3
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