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HELP with Paid off collections

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HELP with Paid off collections

Hello, I am really new here and pretty much messed up my credit a few years ago when I had surgery. I was lazy and did not really care about my credit score but now, we are in Escrow and the lender told me about these 3 collections. These were paid off but I don't know if there is a way I can get rid of this but unfortunately, I don't really know how to read this... I mean I can't tell if this was reported right. I was told that my credit score is 698 but because of these records our interest rate is going up at least 1 point. Can someone please help me understand the dates and maybe when I can expect it to go away? I have tried calling NCO (first one below) but they said they can't delete it off of my record. Thank you in advance. From TU: Account Type: Open Account Number: 8XXXX Payment Responsibility: Individual Date Opened: 04/2003 Balance Date: 12/2006 Balance Amount: $0 Monthly Payment: High/Limit: $59 Account Status: Collection Past Due Amount: $0 Comments: ORIGINAL CREDITOR: MED1 02 ANESTHESIA MEDICAL GROUP PAID COLLECTION From EXP: Account Type: Installment Account Number: 14XXXX Payment Responsibility: Individual Date Opened: 01/2003 Balance Date: 05/2006 Balance Amount: Monthly Payment: High/Limit: $378 Account Status: Collection Past Due Amount: $0 Comments: PAID LAST REPORTED DELINQUENCIES: 03/2004=I9 ORIGINAL CREDITOR: MED CENTER COLLECTION ACCOUNT From EXP: Account Type: Installment Account Number: 16XXXX Payment Responsibility: Individual Date Opened: 05/2003 Balance Date: 04/2007 Balance Amount: Monthly Payment: High/Limit: $614 Account Status: Collection Past Due Amount: $0 Comments: PAID LAST REPORTED DELINQUENCIES: 04/2007=I ORIGINAL CREDITOR: MED CENTER COLLECTION ACCOUNT
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