Started out with 28 collections, 4 defaulted student loans and judgements..... Othan than the student loans they are all medical.
Started PFD. If they wouldn't pay for deletion I moved on to the next person. Only people getting my money are those who would delete. I will do another round once I run out of agencies who will do the PFD.
One collection agency held 8 medical accounts. They agreed to a 20% reduction and would delete once all 8 were paid. I paid the last of them off on the 9th. I noticed the 8 are removed on Equifax but still appear on the other two. Once they are all deleted it will bring me down to 9 remaining collection accounts. All of those are over 14 months old.
Do you think I will see a score increase with 9 outstanding collections on my report after having the 8 that I paid removed? I think my biggest score jump will come when I have my student loans rehabbed. (just made the 4th payment - have 5 to go). I also have a secured VISA reporting for 3 months now. That gave me a nice score jump.
Equifax started out at 533 and am now at 605 (myfico).
Trans Union credit score is 0. Secured VISA is not showing. (credit union pull)
Experian was 0 but have not checked it to see what it is now. (credit union pull)
Wow great job! I started in about the same boat as you. I don't know the answer to the score question, because mine is still low, BUT I just wanted to say congrats! There is hope woohoo 