hello all. I am looking for any kind of advice on my current situation. I currently have 5K in medical collections due to not having insurance and a trip to the ER. I in no way can afford to pay this type of debt. Is there anything that can be done to get it deleted or has anyone had success with settling for much less?
Starting Score: CK 519 FICO 498
You can always try to settle the debt for a portion of what is owed. You would need to contact them and ask what you can do. Maybe even try for a PFD for the accounts after payments have been made.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
any advice on what % I should offer?
I'd try 25%. See if they counter back.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
thank you ..i will give it a shot