Equifax Score Question?

[Anonymous]

My current Fico scores 2/5/09 TU 649  EQ 611  EX 689

I paid off a CC a little over a year ago.  I wish now that I visited this site before doing that.  It was in CA and I settled with them.  It had not been updated until I paid off the CA.  HSBC Bank - CC  can I do anything to fix this.  Maybe a GW.  I have went three years with everything paid on time accept this and I have a old account showing open with a 0 balance with my local gas company but they have me showing a status of 120 days late when I have not even used the account in 5 years. 

I have a BR and it has be 6 years.

One item showing in collects.  It is two years old.  I checked and it is a Medical bill for a boot -- broken foot.   This is showing a CA so I want to pay off in they will delete. 

I am new any help would be appreciated. 

[RobertEG]

Hi BADave.

You still have power over the broken-foot account.

Does the OC still own the account, or has it been sold to the CA?

[Anonymous]

I do not know.  How can I find out.  I thought about going down and just paying the account off.  This a local office But I want this off my CR. 

Should I send the OC a PFD or send to the CA.  It is only $260 and it is my dept.  I wan to pay but I also want this off my CR.

[Junejer]

You have the option of using the HIPAA Process. Read up on that and see how it may work for you for that Med collection.

GL