So today I paid off one of my smaller collections and I feel like a weight has been lifted off my shoulder!! The process was probably the easiest ever as soon as I verified my info the rep gave me the run down on the account and said if you pay in full we'll delete it from your credit profile!
No nastiness or loud talking involved, I paid and I immediately received the confirmation email with them stating its PD in full and will be processed for deletion on Friday! I wish all the collectors were like this.
They may have been super nice since the debt was from 2011, but I have no problem paying what I owe and I know it won't pop up again for anything less.
Sooooo happy!
1 down 5 to go lol
Here's what my damage looks like.
6 collections accounts
$1300-adstra I know they do PFD- plan to pay that in Feb
$1200-medical bill: they said its too old for charity care, I started looking into hippa process
$256- midwest recovery for old us bank account * I plan on paying this over the weekend but I didn't receive anything in the mail or phone calls prior to this popping up on my credit. o_0
$431 Harris and Harris- Plan on disputing because I moved out of state a cpl years ago in Dec and they said the bill is for dec and Jan
$649 Enhance Recovery- It's a time warner bill from 2011, I was in college and lived at home with parent so I'll be disputing that
$602 Ambulance bill- Is this eligible to go thru hippa?
Derog.
Capital one 30 days late on car and cc's the cards are now closed marked as closed by credit grantor
Thinking about GW both
Positive
Student loans
Open Sky CC
Auto loan
average age of credit is 1 year 
newest account is 8 months
That's it my credit score is in the low 5's
