This is the bad stuff that is currently on my reports:
- $50 medical collection from 4/2007
- Send a PFD
- $400 medical collection from 2010
- Send a PFD
- $80 medical collection from 2010 (Paid in full, waiting to see if they will delete as promised)
- Keep an eye on this one, hopefully it will be removed
- $190 medical collection from 2010
- Send a PFD
- $212 collection ( doesnt list a company, no clue what it is so it has been disputed)
- Where did you get your report from? Have you gone to www.annualcreditreport.com
- $116 medical collection from 2010
- Send a PFD
- $39 medical collection (Trying to find out HOW to pay this company, can't locate)
- I ask again where you got your report from.
- $967 credit card collection from 2005
- $500 credit card collection from 2005
- What is the DOFD of these 2? Is it from 2005? If so then they are close to falling off.
So my main question is, what should I do now? I want to get those medical collections off. If I pay these and get them removed will it help my scores? I paid off one credit card collection and it reported as paid in full but it hurt my score. Should I just focus on paying everything else on time?
Pay everything on time. You've got some positive TLs going now, so garden those well. Yes, removing these medical collections and the 2 CC collections will give you a big boost. Just paying them off doesn't removed the negative status. Try for those PFDs.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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