I am really new to this, and I am trying really hard to get my score up. I am getting married in a week and we want to buy a house within the next few years, but money is still tight for us because we are young and still getting settled and our rent alone is over 1000. I made a lot of mistakes in college, including assuming that hospital bills from a car accident would be paid by the car insurance company. For some reason there were 4 that never got paid by the insurance company and are now in collections on my credit report. They come off in 3 years, but I would like to see them gone before then. I have paid 1 in full, but I didnt know about the PFD. If this have been paid for about a year, is it too late to get it taken off my credit report? I orginally disputed them, and 1 showed paid after the dispute. Is there any way to get that one taken off? The other 2 have not been paid, and I am not recieving collection calls or anything on them. What options do I have for these? Any help I can get would be great!!
