New Contributor
PresidentPatton
Posts: 62
Registered: ‎01-18-2013
Medical Bill Deletion and my Score?

Does anyone have any experience with how much of an improvement I might see after having 5 very recent Medical Bills deleted from my reports?

PresP
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: For now just get approved for FHA 7/13

Cards: Cap1 Secured - $200; NFCU $6k
Valued Contributor
fishbjc
Posts: 2,693
Registered: ‎11-30-2007
Re: Medical Bill Deletion and my Score?

I had one go away, got +17, YMMV.  There are a lot of factors involved. 

EOS CCA, COX COMMUNICATIONS, MEDICAL, CURVES, CALVARY, GAS AND ELECTRIC COLLECTIONS....GONE

Regular Contributor
Scupra
Posts: 241
Registered: ‎07-12-2012
Re: Medical Bill Deletion and my Score?

I had 5 deleted off of my TU report which gave me 12 point increase. The status on them at the time they were removed was iibk though.

Filed BK7: 7/2012 (start score 560) Discharge 10/2012
FICO EQ 05/2013: 630 EQ
FICO TU 02/2013: 621 TU
FAKO Experian.com 05/2012: 650 EX
Cards: $500 NFCU secured - $1k NFCU cashRewards - $2k Cap1 Plat
Gardening from 02/13 - 10/13
Established Contributor
madmann26
Posts: 964
Registered: ‎08-30-2012
Re: Medical Bill Deletion and my Score?

When the 1st CA hits your CR, you take a decent hit. Any subsequent CA's hurt, but hurt less. If these are the only 5 CA's on your CR, then you should see a nice bump once they get pulled off. YMMV as always.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 649 EQ 658 FICO 5/13/2013
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $500; NFCU Siggy $10000; $500 WalMart SC

Goal Score: 700 across the board.
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My Journey
Moderator
Shogun
Posts: 7,365
Registered: ‎04-15-2011
Re: Medical Bill Deletion and my Score?

+1 madman

 

It would depend on what else is on your CR.  Do you have any other baddies?  What type of positive TLs do you have.


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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New Contributor
PresidentPatton
Posts: 62
Registered: ‎01-18-2013
Re: Medical Bill Deletion and my Score?

Thank you everyone for your comments!

 

Sadly I have several baddies on my report that I am trying to figure out what is what and how to take care of them. There are two additional medical bills, plus three credit cards (some of which I know shouldn't be there), but the biggest and ugliest are my defaulted SL's that show up on my report 4 x as US of ED and once as the OC, I am currently in a rehab program for this though and should complete the 9 month process in June.

 

I'm really hoping to get to where I can purchase my first home via FHA by mid summer, does anyone know if this is possible after the rehab program and cleaning up what I can on my report?

PresP
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: For now just get approved for FHA 7/13

Cards: Cap1 Secured - $200; NFCU $6k
Moderator
Shogun
Posts: 7,365
Registered: ‎04-15-2011
Re: Medical Bill Deletion and my Score?

Is it possible?  Well, before I came here, my credit was in absolute shambles, I couldn't get a pack of gum on credit.  But after reading, posting, asking, begging, etc., and most of all, learning.  I've figured out how to do everything opposite of how I was before.  Yes, it is possible, with some work, you will get a new house.


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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New Contributor
PresidentPatton
Posts: 62
Registered: ‎01-18-2013
Re: Medical Bill Deletion and my Score?

Thanks Shogun! I'll keep reading/learning and do what I can!

PresP
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: For now just get approved for FHA 7/13

Cards: Cap1 Secured - $200; NFCU $6k