Newbie With Lots of Medical Collections Seeks Help

[Anonymous]

I have ALOT of medical collections I've been racking up over the years so I have just been ignoring the issue for a long, long time, not caring what my credit was. I havent looked at my credit report in at least 12 years. I have some crap kidneys so whatevs.

Now Im married with children (gasp), and we need to buy a house, hopefully in 2016.

So 19 days ago I pull up my free reports, join credit karma, and dispute all collections online with all three agencies. I started with a 514 score, now I have a 610. I have also since applied for a capital one secured mastercard (at score 549) and got approved, but waiting for card in mail. Also applied for a Merrick secured card (at score 584) but waiting for approval.

I have no credit cards showing on report. Only thing that is on there is an auto loan in very good standing, and tons of medical collections.

Im just looking for direction at this point. I was told to look into sending in hipaa letters? So I might try that?

Should I cancel the merrick card since my score jumped up some?

I want to really boost my score and I feel it's went up alot so far, and want to continue this trend. Im up 96 points in 19 days and have spent $0 getting there.

Glad to hear any suggestions at all! Thanks for looking.

[Anonymous]

so should i keep or cancel the merrrick card?

anything else i should do now? am i on the right track? i like to work fast on this. thanks.

[Anonymous]

Don't cancel anything now, you need a couple of revolving accounts to get your score moving up.

[Anonymous]

Well, I havent gotten the card yet, either of them. I was just curious if i may be able to cancel without fees, and apply for a better card now.

also if anyone knows alot about getting medical off report please chime in.

and can a credit karma score of 610 be too far off a real fica model? thanks.

[Anonymous]

looking to boost FAST

+96 and im pumped

[Anonymous]

Though you may often see big gains quickly - this is NOT a fast process. Look at this as a minimum 2 year process.

[Anonymous]

ok thanks

any advice as to what i should be doing, specifically, right now?

[Anonymous]

because i need a higher score

[Anonymous]

Work on trying to get negative items removed. PFD the ones that are unpaid, and GW the paid items.

[MarineVietVet]

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@Anonymous wrote:

I have ALOT of medical collections I've been racking up over the years so I have just been ignoring the issue for a long, long time, not caring what my credit was. I havent looked at my credit report in at least 12 years. I have some crap kidneys so whatevs.

Now Im married with children (gasp), and we need to buy a house, hopefully in 2016.

So 19 days ago I pull up my free reports, join credit karma, and dispute all collections online with all three agencies. I started with a 514 score, now I have a 610. I have also since applied for a capital one secured mastercard (at score 549) and got approved, but waiting for card in mail. Also applied for a Merrick secured card (at score 584) but waiting for approval.

I have no credit cards showing on report. Only thing that is on there is an auto loan in very good standing, and tons of medical collections.

Im just looking for direction at this point. I was told to look into sending in hipaa letters? So I might try that?

Should I cancel the merrick card since my score jumped up some?

I want to really boost my score and I feel it's went up alot so far, and want to continue this trend. Im up 96 points in 19 days and have spent $0 getting there.

Glad to hear any suggestions at all! Thanks for looking.

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What was the basis for the disputes?