If you have actually paid your collections like medical ......can you actually get these removed from your credit report or do they stay on for the entire 7 yrs....
Send a GW letter to the CA and ask them to remove the baddies. For future reference, do not send the money to the CA without a PFD agreement. You do not have leverage now.
You can also dispute the item on your CR, but if it is legit then it will stay on.
Starting Score: 583 EQ, 612 EX, 569 TU Current Score: 658 EQ, 648 EX, 618 TU Goal Score: 720 EQ, 720 EX, 720 TU