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    <title>topic Re: Medical Data Systems - in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Medical-Data-Systems/m-p/1504702#M198398</link>
    <description>I have been trying to get them to remove a collection for over a year now. There CSR tells me they can't remove any lates but I'm still sending letters. Would like to know if anyone else had any luck. I didn't pay the CA I paid the OC.</description>
    <pubDate>Sun, 22 Jul 2012 15:10:26 GMT</pubDate>
    <dc:creator>josie</dc:creator>
    <dc:date>2012-07-22T15:10:26Z</dc:date>
    <item>
      <title>Medical Data Systems -</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Medical-Data-Systems/m-p/1504644#M198397</link>
      <description>&lt;P&gt;Hi Everyone,&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Has anyone had any luck with Medical Data Systems removing baddies off your credit report?&amp;nbsp; I have 2, which are paid in Full ( pd to CA ) - I am trying to buy my first home and these are really lowering my credit score.&amp;nbsp; Based on the USAA simulator my credit score could go up over 100 + points if these were removed - &amp;nbsp;I actually have 1 more also through Berks Credit and Collections..&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Also, what&amp;nbsp;effect does maxing out your credit cards have on your score?&amp;nbsp; I have 3&amp;nbsp;with all maxed ( at least 95% ).&amp;nbsp; I plan on paying off within the month.&amp;nbsp;&lt;/P&gt;&lt;P&gt;According to USAA&amp;nbsp;they are also saying b/c my Credit Limit is less than $1K my score is low as well.&amp;nbsp;(My highest is $750.00)&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Sorry for my lack of knowledge, just starting out and you all have been great here and the wealth of info I have found on this site!!!&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;TIA,&lt;/P&gt;&lt;P&gt;Jennifer &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sun, 22 Jul 2012 14:34:12 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Medical-Data-Systems/m-p/1504644#M198397</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2012-07-22T14:34:12Z</dc:date>
    </item>
    <item>
      <title>Re: Medical Data Systems -</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Medical-Data-Systems/m-p/1504702#M198398</link>
      <description>I have been trying to get them to remove a collection for over a year now. There CSR tells me they can't remove any lates but I'm still sending letters. Would like to know if anyone else had any luck. I didn't pay the CA I paid the OC.</description>
      <pubDate>Sun, 22 Jul 2012 15:10:26 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Medical-Data-Systems/m-p/1504702#M198398</guid>
      <dc:creator>josie</dc:creator>
      <dc:date>2012-07-22T15:10:26Z</dc:date>
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