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removing collections

Valued Member

removing collections

I checked my credit report and there's 3 medical collections on there that are all paid and marked paid but im sure those are holding my score from going up, can i get them removed and if so how?.....any help is appriciated thank you

ex 669 tu 689 eq 658
these scores are a few months old
goal 700 club
Message 1 of 5
Moderator Emeritus

Re: removing collections

You could try sending a GW to them. 

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 5
Established Contributor

Re: removing collections

GW would probably be the only way since your "leverage" is gone because they are paid. There is also some talk of the HIPPA process but I have not personally used/read up on it. I have one medical collection for $49 and can't for the life of me reach the source.

Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700

Take the FICO Fitness Challenge
Message 3 of 5
Senior Contributor

Re: removing collections

IME with medical CA's, I was able to remove mine by a simple phone call and the others by sending GW letters.

FICO's May 2015 EQ764 ~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Message 4 of 5
Valued Member

Re: removing collections

Can you list who the collection companies are?

Let them eat cake.
Message 5 of 5