How to increase my scores...advise needed

[Anonymous]

Hi.  I'm new to this forum.  I've been working hard over the last 2 yrs to try to increase my credit scores.  Goal is to get them in high 600 to 700 range.  I'm in need of some friendly advise.  I purchased all 3 scores from MyFico.com as of 4/29 and here it is in a nutshell:

 TU - 606  EQ- 622  EX-633

Originally purchased just EQ score in March (was 573) then score jumped to 616 by 4/9 and now 622 on 4/29. 

In the process of disputing medical bills that appear as Collections acct on TU that the status is showing as not reported on MyFico.  Problem is online dispute sends u to TU website and on that report it shows those medical bills paid (I disputed them with TU in January).  Why is status of payment not being reported on MyFico and might this be a reason my score is low?  Can anyone give advise how to dispute TU reporting this to MyFico? 

Thanks for your assistance!

[Anonymous]

Are the medical collections showing as paid on both MyFico and TU?

[Anonymous]

Tu shows paid... MyFico shows status not reported even though they have long been paid.  Just don't know how to go about having TU reporting status as paid on MyFico.

[Anonymous]

I have an issue with my fico as well. I have something that is incorrect on my experian report that I pulled from my fico, BUT on my reports that I have directly from experian everything is correct. WEIRD !

[Anonymous]

same here.. obviously the 3 agencies don't share up to date info with each other.  TU info was updated in Jan.  Here it is May and myfico knows nothing about it.

[Anonymous]

fiskite,

Unfortunately, these sound like paid collections. Do you know the DOFD?

[Anonymous]

The 3 are paid collections.. DOFD are 9/2004 and 12/2004.  All 3 were paid by 3/2006.  Just concerned that score being hurt since it appears on TU MyFico report as status "not reported".

[Anonymous]

Actually, I think "not reported" would be better than a confirmed paid collection.

Getting a paid collection removed is danged tough. Not many have luck with it. If you want to PM me, I'll point you to a couple of places on other forums to look. But odds aren't good.

Paying down CC util, GWing lates, removing inquiries are far, far, far easier.

[Anonymous]

Hey Noah ! my situation is with the 30 day late that we talked about earlier. My fico is showing that the account was 30 days late in wriiting , but in the monthly payment grid with the colored boxes. It has as a red box that says 60 days.I checked with experian and everything is correct. I don't know if this mistake is costing me any points or not. My Fako is 713........ Myfico is 649.  no other baddies anywhere insite.