Posts: 14,051
Registered: ‎04-15-2011
Re: Rebuilding, scores wont budge!

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
  • $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
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!