Collections...Credit Cards?

[tempusfugit123]

I have 4 collections on my Experian credit report

The first collection I never received a statement

The second collection is they agree once I paid they would delete (next month)

The third I am waiting to see if they will agree with my pay to delete

The fourth the hospital refused to take payment

I am trying to get them all removed

I have credit scores of Tran-656 Equ-626 Exp- 623

I am trying to raise my score to get a good credit card. I had three accounts (Macys, Capital One, Chase) All of them are closed.

I am trying to get a house in 2 years. I dont have any type of credit to help my score. I dont have a car or anything like that.  I really need to fix my credit.

Will collections hinder me from getting a good credit card?

[Anonymous]

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tempusfugit123 wrote:

Will collections hinder me from getting a good credit card?

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They have hurt me a little. I have a $30.00 PIF CO from Scanta Engery, that has been bugging me for a while. I had to get that PIF before i closed on my house last year.

   Citi told me that they dont look at Medical collections, so thats a good thing. As i have a few of those. I would try to PFD all i could.