I just checked my scores and here they are: TU 676/ EQ 668/ EX 655. I have 5 medical collection accounts on TU and EX and only 1 on EQ. I don't know how to handle them. They are from about 6 yrs ago when i didn't have a SS # yet. Should I do PFD letters or dispute them?
I have 1 credit cards (CreditOne Bank), 2% utl and I also have an auto loan. But my credit history is only 1 year old and that's also hurting me.
How can i improve my score? Can i apply for another cc with a better limit and interest rate?
Medical collections are handled differently than regular collections...you would use the Hipaa Process...for the medical bills...but first find out the DOFD on them...if they are falling off soon...you might do better leaving them alone...here is the link for the Hipaa Process: